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.
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
- Invested15.8%
- Gains84.2%
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.
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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.