Retirement planner
NPS Calculator
Estimate your National Pension System retirement corpus from current savings and future monthly contributions.
Calculator
Calculate NPS corpus
Enter existing NPS balance, monthly contribution, expected return, and duration.
NPS year-wise growth
See how existing balance and monthly contributions may grow together.
| Year | Total contribution | Estimated corpus | Estimated gains |
|---|---|---|---|
| Your projection will appear here. | |||
Last updated: May 2026
What is this calculator?
This NPS calculator estimates possible retirement corpus using existing balance, monthly contribution, expected return, and duration.
Formula used
Projected Corpus = existing balance compounded monthly plus future monthly contributions compounded monthly.
Example calculation
With Rs. 2,00,000 existing balance and Rs. 10,000 monthly contribution at 10% for 25 years, the calculator estimates retirement corpus.
How to use it
- Enter your existing NPS balance.
- Add monthly NPS contribution.
- Enter expected return and duration.
- Review corpus, contribution, and estimated gains.
Benefits
- Plan retirement savings with current contribution levels.
- Include existing NPS balance.
- Compare return and duration assumptions.
Common mistakes
- Assuming NPS returns are fixed.
- Ignoring asset allocation and fund choice.
- Confusing corpus estimate with final withdrawal amount.
FAQs
Are NPS returns fixed?
No. Returns depend on asset allocation and fund performance.
Does this include annuity rules?
No. It estimates corpus only, not withdrawal or annuity outcomes.
Disclaimer
Actual NPS outcomes depend on asset allocation, fund performance, charges, taxation, annuity rules, and regulations.