NPS Calculator

Estimate your NPS corpus and monthly pension at retirement for free. Enter contribution, return rate, and years. Instant results, no account needed.

NPS Details

30 Years
5,000
10 %
6 %
60 %

Total Investment

0

Maturity Amount

0

Monthly Pension

0

Year-wise Projection

Year Age Invested Amount Corpus Value
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NPS Calculator

National Pension Scheme Calculator

Estimate your retirement corpus, monthly pension amounts, and annuity payouts under the NPS scheme rules.

Local Pension Estimator
STEP 01

Enter Age & Contribution

Input your current age, desired retirement age, and monthly investment contribution to the NPS account.

STEP 02

Define Interest Rate

Set the expected rate of return (CAGR) based on equity, corporate debt, and government bond yields allocation.

STEP 03

Select Annuity Split

Determine the percentage of corpus to reinvest in annuities (minimum 40%) and estimated annuity interest rate.

STEP 04

Inspect Retirement Wealth

Analyze your total accumulated corpus, tax-free lumpsum withdrawal cash, and monthly pension payouts.

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Capabilities

NPS Pension Features

Retirement Tools

Annuity Split Simulation

Allows you to model different annuity reinvestment fractions (from 40% to 100%) to optimize monthly pensions.

Government Scheme Rules

Incorporates standard National Pension Scheme regulatory constraints on withdrawals and annuities.

Compound Interest Engine

Models compounding growth on monthly contributions across your active employment decades.

Lumpsum Cash Estimates

Isolates the tax-free 60% lumpsum withdrawal portion from the pension annuity portion.

100% Client-Side Privacy

Your ages, pension salaries, contribution levels, and wealth parameters are processed entirely within your browser memory sandbox. We perform zero server uploads and guarantee private offline evaluations.

Support

NPS Pension Questions

Quick help
Q1 What is the National Pension Scheme (NPS)?
The National Pension Scheme (NPS) is a voluntary, long-term retirement savings scheme designed to enable systematic savings and secure a regular pension payout post-retirement.
Q2 How much NPS corpus can I withdraw at retirement?
Upon reaching age 60, you can withdraw up to 60% of your total accumulated NPS corpus as a tax-free lumpsum. The remaining 40% must be used to purchase an annuity to generate a monthly pension.
Q3 What is an annuity in NPS?
An annuity is a financial contract with an insurance service provider where you invest a lumpsum amount, and they guarantee a steady stream of monthly pension payouts for the rest of your life.
Q4 How are NPS funds managed and what are the average returns?
NPS funds are managed by PFRDA-registered fund managers across Equity, Corporate Debt, and Government Securities. Over long periods, equity-heavy options have historical returns between 9% and 12%.
Q5 Are my NPS contribution amounts or ages sent to a government server?
No, absolutely not. All retirement projections, annuity compoundings, and lumpsum splits are simulated locally in your browser sandbox. We do not transmit or log your personal financial plans.