Finance

NPS Calculator

Estimate your NPS retirement corpus, investment returns, annuity amount and lump-sum amount.

NPS Calculator calculator

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NPS Calculator

Enter the values below to calculate your result.

years
years
%
%
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Your result will appear here

Enter the required values and click Calculate to see your result.

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How does the nps calculator work?

The NPS calculator estimates a retirement corpus based on your monthly investment, investment period and expected annual return. It also estimates the portion used for an annuity and the remaining lump-sum amount.

Formula

Future Value = Monthly Investment × [((1 + r)ⁿ − 1) ÷ r] × (1 + r)

Examples

Example NPS Investment

Inputs

monthlyInvestment
5000
currentAge
30
retirementAge
60
expectedReturn
10
annuityRate
40
Result

A monthly investment of ₹5,000 for 30 years at an assumed 10% annual return produces an estimated retirement corpus of approximately ₹1.13 crore.

About this calculator

An NPS calculator helps estimate how much you could accumulate for retirement through regular monthly contributions.

Enter your monthly investment, current age, retirement age, expected return and assumed annuity rate to estimate your retirement corpus.

Frequently asked questions

What is an NPS calculator?

An NPS calculator estimates the potential retirement corpus based on your regular investment, investment period and expected rate of return.

What is the annuity rate in this calculator?

The annuity rate represents the percentage of the estimated retirement corpus assumed to be used to purchase an annuity.

Is the NPS calculator result guaranteed?

No. The result is an estimate based on the assumed investment amount and rate of return. Actual NPS returns can vary with market performance.

Can I change the expected return?

Yes. You can enter different assumed annual return rates to compare potential retirement outcomes.

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