NPS Calculator
Plan your retirement with our NPS calculator. Estimate your pension amount and lumpsum corpus based on your contributions.
Educational estimate. Calculator results are for planning and information only, not financial, tax, medical, legal, or engineering advice. Verify important decisions with official sources or a qualified professional.
NPS Calculator
National Pension System retirement planner
📋 How to Use
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1
Enter your monthly contribution to the NPS account.
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2
Enter your current age (retirement is assumed at 60).
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3
Provide the expected annual return on your investment.
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4
Choose the percentage of the corpus you wish to use for purchasing an annuity (pension).
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5
See your total corpus, lumpsum withdrawal, and monthly pension.
Secure Your Retirement with NPS
The National Pension System (NPS) is a voluntary, long-term retirement savings scheme designed to enable systematic savings. It is regulated by PFRDA and offers a mix of equity, corporate bonds, and government securities.
Our NPS calculator helps you visualize the power of compounding over your working years. By investing early, you can build a substantial corpus and ensure a steady monthly income during your retirement.
🔬 Methodology & Accuracy
Formula: Uses the standard mathematical formula shown in the Formula & Method section above. All computations run client-side in your browser — no data is sent to our servers.
Data sources: Tax bands, contribution limits and regulatory rates are taken from official US (IRS, SSA) and UK (HMRC, gov.uk) publications for the current tax year, and updated when bands change.
Last reviewed: May 2026 · Accuracy: Results are precise to two decimal places using IEEE-754 double-precision arithmetic. Intended for educational and planning use only.
For informational purposes only. Results are estimates based on the inputs and formulas provided. For financial, tax, medical, or legal decisions, consult a qualified professional. Rates and regulations change — always verify current figures with official sources.