NPS planning scenarios No account connection Assumptions shown with results

NPS Calculator — Contributions, Corpus & Annuity Scenarios

Illustrate an NPS corpus from regular contributions and an assumed return. Compare monthly, annual or combined funding, solve a monthly goal contribution and explore an annuity allocation.

NPS returns are market-linked. The smooth projection is not a NAV forecast, guaranteed corpus or annuity quote. Your chosen exit allocation is illustrative; permitted withdrawals depend on subscriber category and exit conditions.

Calculate my NPS
Four planning modesMonthly, Annual, Combined, Goal Monthly
Contributions and growthOpening balance shown separately
Projection to retainChart, tables and downloads
Scheme-specific limitsRead the assumptions before using results

Plan Your NPS in Four Ways

Enter your own amounts and assumptions. Defaults are editable examples.

Equal contributions within each model year; optional annual step-up applies next year.

One starting balance; historic contributions and growth are not reconstructed.

An entered planning horizon, not validation of retirement age or exit eligibility.

Allows −50% to 30%. Editable constant-return scenario, not a forecast.

Increases recurring contributions at each model-year anniversary.

Monthly deposits occur at the chosen month position. Annual deposits occur at the chosen year position.

0–100% scenario input, not a validated regulatory allocation. Category, exit type and corpus rules must be checked.

Simple payout illustration on the allocated corpus; not an annuity provider quote.

Review the assumptions behind the corpus

Choose a scenario to see the starting balance, new contributions and modelled interest or growth.

Select the funding pattern

Monthly mode uses recurring instalments. Annual mode uses one payment per model year. Combined uses both. The existing corpus is included at the start in every mode.

Treat return as an assumption

The entered effective annual return becomes a constant monthly growth rate. Actual NPS values fluctuate with investments; the smooth path can overstate certainty even when the arithmetic is correct.

Solve the initial monthly amount

Goal Monthly calculates the starting contribution under your horizon, return and step-up assumptions. It rounds upwards to a paisa and may return zero when the existing corpus alone meets the model target.

Separate corpus from annuity income

The allocation percentage splits the model corpus into an illustrative lump sum and annuity purchase amount. The income number applies an assumed payout rate; it does not select an annuity product or validate exit rules.

Built and maintained by Bhavin Sheth
Updated:

Separate NPS contributions, growth and retirement income

Use the mode that matches the question you want to answer.

01

Select the funding pattern

Monthly mode uses recurring instalments. Annual mode uses one payment per model year. Combined uses both. The existing corpus is included at the start in every mode.

02

Treat return as an assumption

The entered effective annual return becomes a constant monthly growth rate. Actual NPS values fluctuate with investments; the smooth path can overstate certainty even when the arithmetic is correct.

03

Solve the initial monthly amount

Goal Monthly calculates the starting contribution under your horizon, return and step-up assumptions. It rounds upwards to a paisa and may return zero when the existing corpus alone meets the model target.

04

Separate corpus from annuity income

The allocation percentage splits the model corpus into an illustrative lump sum and annuity purchase amount. The income number applies an assumed payout rate; it does not select an annuity product or validate exit rules.

NPS calculation method and boundaries

The arithmetic follows the assumptions below; it does not verify your account or future scheme terms.

01

Effective monthly growth

Let a be the effective annual return. The monthly growth rate is q = (1 + a/100)^(1/12) − 1. Beginning contributions receive that month’s growth; end contributions are added after growth on the opening balance.

02

Contribution step-up

The entered monthly and annual amounts stay equal within each model year and increase at its next anniversary. A 5% step-up means the next year’s amount is multiplied by 1.05; it is not a promised salary increase.

03

Corpus and pension are different outputs

Gross corpus includes the existing balance, new contributions and modelled growth or loss. Illustrative monthly annuity income = corpus × allocation percentage × assumed annual payout percentage / 120000. Product-specific pricing, survivor options, return of purchase price and escalation are not modelled.

04

Exit rules are not universal

PFRDA’s December 2025 amendments distinguish government and non-government normal exits, premature exits and corpus bands. This tool does not impose a universal 60/40 split or determine which exit route applies; consult current official rules for your category.

Before acting on a NPS projection

Compare the scenario with the official record and the rules that apply to you.

01

Confirm account and contribution records

Check the existing corpus and contributions in the relevant NPS account. This calculator does not connect to a PRAN, verify KYC or select a pension fund.

02

Compare lower-return scenarios

Use a lower or negative assumed return with the same contributions. A target solution under one constant rate is not a probability forecast or a guarantee.

03

Check the applicable exit route

Subscriber sector, entry circumstances, exit type and corpus size affect permitted options. An illustrative allocation here does not authorise withdrawal or establish tax-free treatment.

04

Obtain an actual annuity quote

Compare the provider’s payout, joint-life or survivor terms, purchase-price treatment and payment schedule. The assumed payout percentage here does not price those features.

Honest by Design

The useful part of a projection is knowing exactly what it includes.

What this tool does

  • Select the funding pattern: Monthly mode uses recurring instalments. Annual mode uses one payment per model year. Combined uses both. The existing corpus is included at the start in every mode.
  • Treat return as an assumption: The entered effective annual return becomes a constant monthly growth rate. Actual NPS values fluctuate with investments; the smooth path can overstate certainty even when the arithmetic is correct.
  • Solve the initial monthly amount: Goal Monthly calculates the starting contribution under your horizon, return and step-up assumptions. It rounds upwards to a paisa and may return zero when the existing corpus alone meets the model target.
  • Separate corpus from annuity income: The allocation percentage splits the model corpus into an illustrative lump sum and annuity purchase amount. The income number applies an assumed payout rate; it does not select an annuity product or validate exit rules.

What this tool does not do

  • Predict NAVs or guarantee a retirement corpus.
  • Determine permitted exits, mandatory annuity percentages or tax-free withdrawal amounts.
  • Quote an annuity product, price survivor benefits or model pension inflation.
  • Connect to accounts, verify identity or submit applications.
  • Calculate final tax liability or guarantee the projected corpus.

Data and model assumptions

  • Return is converted to an effective monthly rate. All model growth remains invested until the horizon. Annuity income is a simple annual payout percentage divided by 12; actual products, rates, guarantees and payment terms differ.
  • The opening balance is a starting base, including any historical growth already inside it.
  • The fragment calculates in your browser without sending or storing inputs. The wider site may use analytics; fonts load from Google.
  • Input and result caps are numerical safeguards, not product terms or financial advice.

Official reference: PFRDA’s December 2025 exit-rule amendments. Check the provisions applicable to your account; this projection does not replace the official record.

NPS calculator questions

Read the assumptions before comparing the output with an account statement.

Contributions and projection

Is the projected NPS return guaranteed?

No. The annual return is a constant scenario input. NPS is market-linked and actual results can differ, including losses.

Does the calculator enforce a 60/40 exit split?

No universal split is enforced. The allocation field is illustrative; official rules vary by category, exit type and corpus amount.

Is the displayed lump sum tax-free?

No tax-free entitlement is calculated or implied. Permitted withdrawal and tax treatment are separate questions; verify the applicable rules.

Limits and interpretation

Is the pension amount an annuity quote?

No. It is allocated corpus multiplied by an assumed annual payout rate, divided by 12. Actual income depends on the provider and selected annuity terms.

Can I use a negative return?

Yes, down to −50% effective annual return. The projection then models a smooth decline, which is still not an actual market path.

Does the horizon confirm exit eligibility?

No. It is a planning period. Subscriber category, account history and applicable exit rules must be checked separately.

Review your NPS scenario with its assumptions

Calculate with your own numbers, then check the account record and applicable terms.

Calculate NPSRead the model limits