NPS calculator
Contribution amount is per year, with 1 payments a year. The balance schedule is an annual summary. Monthly annuity income is a separate payout estimate, not the contribution frequency.
Assumptions
Corpus and payout scenario, not an exit-eligibility decision. Contributions at the start of each chosen period. Effective annual return is converted to an equivalent period rate; deposit frequency does not change growth on the existing corpus. Your annuity allocation is a what-if input; permitted withdrawals depend on subscriber category, service/age, corpus and exit type. No automatic tax-free withdrawal claim. Pension uses the assumed annuity payout rate; provider options and taxes can change the amount. PFRDA amended exit rules in December 2025; consult the linked rules before choosing an actual exit.
Rules: PFRDA exit rules as amended December 2025, reviewed 2026-09-11.
Estimates are not personalised financial advice. Review assumptions before use.
Projected NPS corpus
Based on your inputs. Not guaranteed. Exact amount: ₹9,04,717.
Corpus and annuity
More annuity allocation changes income and the remaining corpus. This does not establish permitted exit terms.- 01Chosen annuity purchase₹3.62 lakh40% of corpus
- 02Other corpus₹5.43 lakhBefore any applicable tax
- 03Monthly annuity estimate₹1,809At 6% assumed payout
More annuity allocation changes income and the remaining corpus. This does not establish permitted exit terms.
View detailed breakdown
Contributions are money added during the year; growth is the change generated by the assumed return.
What happens to the retirement corpus?
Review the selected annuity portion separately from the lump sum. The split is a scenario input, not confirmation of applicable exit eligibility.
Detailed results
| Result | Value |
|---|---|
| Projected NPS corpus | ₹9.05 lakh |
| Opening corpus | ₹0 |
| Future contributions | ₹1.5 lakh |
| Chosen annuity purchase | ₹3.62 lakh |
| Remaining corpus before tax | ₹5.43 lakh |
| Estimated monthly annuity income | ₹1,809 |
Schedule
| Year | Opening balance | Contributed | Growth | Closing balance |
|---|---|---|---|---|
| 1 | ₹0 | ₹5,000 | ₹500 | ₹5,500 |
| 2 | ₹5,500 | ₹5,000 | ₹1,050 | ₹11,550 |
| 3 | ₹11,550 | ₹5,000 | ₹1,655 | ₹18,205 |
| 4 | ₹18,205 | ₹5,000 | ₹2,321 | ₹25,526 |
| 5 | ₹25,526 | ₹5,000 | ₹3,053 | ₹33,578 |
| 6 | ₹33,578 | ₹5,000 | ₹3,858 | ₹42,436 |
| 7 | ₹42,436 | ₹5,000 | ₹4,744 | ₹52,179 |
| 8 | ₹52,179 | ₹5,000 | ₹5,718 | ₹62,897 |
| 9 | ₹62,897 | ₹5,000 | ₹6,790 | ₹74,687 |
| 10 | ₹74,687 | ₹5,000 | ₹7,969 | ₹87,656 |
| 11 | ₹87,656 | ₹5,000 | ₹9,266 | ₹1.02 lakh |
| 12 | ₹1.02 lakh | ₹5,000 | ₹10,692 | ₹1.18 lakh |
| 13 | ₹1.18 lakh | ₹5,000 | ₹12,261 | ₹1.35 lakh |
| 14 | ₹1.35 lakh | ₹5,000 | ₹13,987 | ₹1.54 lakh |
| 15 | ₹1.54 lakh | ₹5,000 | ₹15,886 | ₹1.75 lakh |
| 16 | ₹1.75 lakh | ₹5,000 | ₹17,975 | ₹1.98 lakh |
| 17 | ₹1.98 lakh | ₹5,000 | ₹20,272 | ₹2.23 lakh |
| 18 | ₹2.23 lakh | ₹5,000 | ₹22,800 | ₹2.51 lakh |
| 19 | ₹2.51 lakh | ₹5,000 | ₹25,580 | ₹2.81 lakh |
| 20 | ₹2.81 lakh | ₹5,000 | ₹28,637 | ₹3.15 lakh |
| 21 | ₹3.15 lakh | ₹5,000 | ₹32,001 | ₹3.52 lakh |
| 22 | ₹3.52 lakh | ₹5,000 | ₹35,701 | ₹3.93 lakh |
| 23 | ₹3.93 lakh | ₹5,000 | ₹39,772 | ₹4.37 lakh |
| 24 | ₹4.37 lakh | ₹5,000 | ₹44,249 | ₹4.87 lakh |
| 25 | ₹4.87 lakh | ₹5,000 | ₹49,174 | ₹5.41 lakh |
| 26 | ₹5.41 lakh | ₹5,000 | ₹54,591 | ₹6 lakh |
| 27 | ₹6 lakh | ₹5,000 | ₹60,550 | ₹6.66 lakh |
| 28 | ₹6.66 lakh | ₹5,000 | ₹67,105 | ₹7.38 lakh |
| 29 | ₹7.38 lakh | ₹5,000 | ₹74,315 | ₹8.17 lakh |
| 30 | ₹8.17 lakh | ₹5,000 | ₹82,247 | ₹9.05 lakh |