🧓

NPS Calculator

National Pension System corpus at retirement, split between the lump sum you take and the annuity you must buy. The pension figure is an estimate, not a quotation from any annuity provider.

ModeratePart market-linkedUntil age 60, with limited exceptions

Corpus at retirement

₹2,27,93,253

after 30 years at the return you assumed

You invest

₹36,00,000

Estimated gains

₹1,91,93,253

Absolute return

533.1%

total gain on money in

Annualised (XIRR)

10.46%

money-weighted

At retirement, the corpus splits

Tax-free lump sum

₹1,36,75,952

Buys an annuity

₹91,17,301

Estimated pension

₹45,587/mo

The pension is an arithmetic estimate from the annuity rate you entered, not a quotation. Real annuity rates at your retirement date are unknowable today.

How it builds up

Maturity value₹2.28 Cr

Invested15.8%
Gains84.2%

Show what it is worth in today’s money

Maturity value

₹2,27,93,253

Gains

₹1.92 Cr

What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk: Moderate
Guaranteed by: None on the corpus — returns depend on your chosen equity/debt allocation
Lock-in: Until age 60, with limited exceptions
Liquidity: Very low
Tax treatment: Deductions under 80CCD(1B) over and above 80C. At exit the lump sum is tax-free; the annuity income is taxed as income.

Worth weighing before you commit

NPS returns are market-linked and vary by the scheme and allocation you pick; there is no declared rate.
A minimum share of the corpus must be used to buy an annuity, and the pension it produces depends on annuity rates at that future date — which nobody can predict.
The annuity income is taxable as income in the year you receive it.

Other calculators

📈SIP 💰Lumpsum 🏦FD 🗓️RD 🛡️PPF 🌸SSY 💼EPF

Compare these side by side All investment calculators

Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. The return you enter is an assumption; past performance does not predict future returns and no market investment guarantees a result. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.

Switching country…

What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk

Moderate

Guaranteed by

None on the corpus — returns depend on your chosen equity/debt allocation

Lock-in

Until age 60, with limited exceptions

Liquidity

Very low

Tax treatment

Deductions under 80CCD(1B) over and above 80C. At exit the lump sum is tax-free; the annuity income is taxed as income.

Worth weighing before you commit

NPS returns are market-linked and vary by the scheme and allocation you pick; there is no declared rate.
A minimum share of the corpus must be used to buy an annuity, and the pension it produces depends on annuity rates at that future date — which nobody can predict.
The annuity income is taxable as income in the year you receive it.