NPS Calculator
Estimate retirement corpus and monthly pension under the National Pension System.
Share:
years
years
₹500₹1,00,000
₹0₹1,00,000
6%15%
Total Corpus at Retirement
₹2,27,93,254
Lump Sum Available
₹1,36,75,952.4
Monthly Pension
₹45,587
NPS Breakdown
Employee Contribution₹18,00,000
Employer Contribution₹18,00,000
Total Invested₹36,00,000
Total Returns₹1,91,93,254
Annuity Purchase₹91,17,301.6 (40%)
Lump Sum Withdrawal₹1,36,75,952.4 (60%)
Monthly Pension₹45,587
Inflation Adj. Pension Value₹10,548
At 5% inflation, your ₹45,587 pension in 30 years will have purchasing power of approximately ₹10,548 in today's terms.
How is this calculated?
NPS has two components — employee contribution (eligible for 80C) and employer contribution (eligible for 80CCD(2), up to 10% of basic salary). At retirement, minimum 40% must be used to buy an annuity (pension), and the remaining can be withdrawn as a lump sum (tax-free up to 60%).