NPS Calculator

National Pension System calculator with tax benefits

Calculate your NPS corpus, pension & lump sum at retirement.

Asset Allocation100%Blended: 11.3% p.a.

Equity (E): 50%

50%

Corp. Bonds (C): 30%

30%

100

Govt. Securities (G): 20%

20%

100

Alternative (A): 0%

Monthly Contribution (₹)

₹5,000

500

200000

Current Age

18–65 years

25 years

Retirement Age

26–75 years

60 years (35y investment)

Expected Annual Return (%)

1–20%

10%

Total Corpus

₹1,91,41,384

Total Invested

₹21,00,000

Wealth Gained

₹1,70,41,384

Monthly Contribution

₹5,000

Investment Period

35 years

Expected Return

10% p.a.

Monthly Pension

₹38,283

Lump Sum (Tax-Free)

₹1,14,84,830

Visual Analysis

Year-by-Year Breakdown

Period	Age	Total Invested	Wealth Gained	Corpus
Year 1	26	₹60,000	₹3,351	₹63,351
Year 2	27	₹1,20,000	₹13,337	₹1,33,337
Year 3	28	₹1,80,000	₹30,650	₹2,10,650
Year 4	29	₹2,40,000	₹56,059	₹2,96,059
Year 5	30	₹3,00,000	₹90,412	₹3,90,412
Year 6	31	₹3,60,000	₹1,34,645	₹4,94,645
Year 7	32	₹4,20,000	₹1,89,792	₹6,09,792
Year 8	33	₹4,80,000	₹2,56,996	₹7,36,996
Year 9	34	₹5,40,000	₹3,37,521	₹8,77,521
Year 10	35	₹6,00,000	₹4,32,760	₹10,32,760
Year 11	36	₹6,60,000	₹5,44,255	₹12,04,255
Year 12	37	₹7,20,000	₹6,73,708	₹13,93,708
Year 13	38	₹7,80,000	₹8,22,998	₹16,02,998
Year 14	39	₹8,40,000	₹9,94,205	₹18,34,205
Year 15	40	₹9,00,000	₹11,89,621	₹20,89,621
Year 16	41	₹9,60,000	₹14,11,783	₹23,71,783
Year 17	42	₹10,20,000	₹16,63,492	₹26,83,492
Year 18	43	₹10,80,000	₹19,47,840	₹30,27,840
Year 19	44	₹11,40,000	₹22,68,245	₹34,08,245
Year 20	45	₹12,00,000	₹26,28,485	₹38,28,485
Year 21	46	₹12,60,000	₹30,32,728	₹42,92,728
Year 22	47	₹13,20,000	₹34,85,584	₹48,05,584
Year 23	48	₹13,80,000	₹39,92,143	₹53,72,143
Year 24	49	₹14,40,000	₹45,58,028	₹59,98,028
Year 25	50	₹15,00,000	₹51,89,452	₹66,89,452
Year 26	51	₹15,60,000	₹58,93,276	₹74,53,276
Year 27	52	₹16,20,000	₹66,77,083	₹82,97,083
Year 28	53	₹16,80,000	₹75,49,247	₹92,29,247
Year 29	54	₹17,40,000	₹85,19,022	₹1,02,59,022
Year 30	55	₹18,00,000	₹95,96,627	₹1,13,96,627
Year 31	56	₹18,60,000	₹1,07,93,354	₹1,26,53,354
Year 32	57	₹19,20,000	₹1,21,21,677	₹1,40,41,677
Year 33	58	₹19,80,000	₹1,35,95,375	₹1,55,75,375
Year 34	59	₹20,40,000	₹1,52,29,672	₹1,72,69,672
Year 35	60	₹21,00,000	₹1,70,41,384	₹1,91,41,384

Annuity & Monthly Pension

Annuity Percentage: 40% (min 40%)

40%

100

Annuity Return Rate: 6%

Monthly Pension

₹38,283

Yearly: ₹4,59,396

Lump Sum (Tax-Free)

₹1,14,84,830

60% of corpus

Annuity Purchase

₹76,56,554

40% of corpus

Tax Benefits (Old Regime)

Employer NPS Contribution / Year (₹)

₹0

500000

Tax Bracket: 30%

30%

42.74

Section	Deduction
80CCD(1) — Self (with 80C)	₹60,000
80CCD(1B) — Additional	₹0
80CCD(2) — Employer	₹0
Total Deduction	₹60,000

Annual Tax Saved

₹18,000

@30% bracket

Corpus Milestones

₹10L

Year 10 • ₹10,32,760 corpus

29%

₹25L

Year 17 • ₹26,83,492 corpus

49%

₹50L

Year 23 • ₹53,72,143 corpus

66%

₹1Cr

Year 29 • ₹1,02,59,022 corpus

83%

Tier I vs Tier II Comparison

Tier / Strategy	Rate	Corpus	Returns
Tier I (E-heavy)	12%	₹3,24,76,345	₹3,03,76,345
Tier I (balanced)Current	10%	₹1,91,41,384	₹1,70,41,384
Tier I (safe)	8%	₹1,15,45,875	₹94,45,875
Tier II	9%	₹1,48,19,239	₹1,27,19,239