CreditLoanCalculator.com

NPS Calculator

v1.3

Estimate National Pension System corpus, lump sum and monthly pension at retirement.

Last updated · Last reviewed

Inputs

yrs
yrs
INR
%

Blended equity + debt long-term return

%

Minimum 40% mandatory by PFRDA

%

Yield offered by insurer on the annuity portion

Result

Estimated Corpus

₹11,396,626.62

At age 60

Total Contributions₹1,800,000.00
Lump Sum at Retirement₹6,837,975.97
Annuity Corpus₹4,558,650.65
Monthly Pension₹22,793.25

Saved calculations remain on this device unless you choose to share them. No tracking, no account needed.

Related calculators

SSY Calculator
Calculate Sukanya Samriddhi Yojana maturity for any yearly deposit and current scheme rate.
PPF Calculator
Estimate Public Provident Fund maturity, total deposits and interest at the current government rate.
SIP Calculator
Estimate the future value of a Systematic Investment Plan using the standard annuity-due formula.
Compound Interest Calculator
See how money grows with compounding over time.
CAGR Calculator
Calculate the Compound Annual Growth Rate between a beginning and ending value.
APY Calculator
Estimate Atal Pension Yojana monthly contribution for any desired pension slab and entry age.
EPF Calculator
Project Employees' Provident Fund corpus from basic salary, contributions and tenure.

Formula

Corpus = M × [((1+i)^n − 1)/i] × (1+i); Monthly pension = (Corpus × annuityPct/100) × annuityRate/100 / 12.

How it works

NPS is a voluntary, market-linked retirement product regulated by PFRDA, offering an additional ₹50k tax deduction under 80CCD(1B).

Example

Example: ₹5,000/month from age 30 to 60 at 10% return → ~₹1.13 crore corpus; 40% annuity at 6% gives ~₹22,600/month pension.

Trust & Accuracy

Formula verified

Verified against standard mathematical and financial conventions.

Last reviewed

June 27, 2026

Accuracy tested

Edge cases tested, formula validation and manual verification completed.

Available for

United States, Canada, United Kingdom, Australia, India, European Union.

Currency support

USD · INR · CAD · AUD · GBP · EUR

Privacy

No information entered into this calculator is stored on our servers unless you explicitly choose to save or share your calculation.

Print, share & save

Use the Save, Share, Copy, PDF, CSV and Print actions under the result panel.

Accessibility

Keyboard navigable, screen-reader friendly labels, responsive on mobile and desktop.

Learn more: How we verify formulas · How we test accuracy · Methodology · Editorial policy

Recent Updates

We continuously review and improve our calculators to keep formulas, assumptions and references accurate.

View change log (4)Show
  1. v1.3

    Added Trust & Accuracy panel and machine-readable change log.

  2. v1.2

    Added Save, Share, PDF, CSV and Print actions to results.

  3. v1.1

    Added global currency selector (USD, INR, CAD, AUD, GBP, EUR).

  4. v1.0

    Initial calculator release with verified formulas and Official Sources.

Frequently Asked Questions

Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.