NPS Retirement Scenario Calculator
Illustrate monthly contributions until age 60. These are planning assumptions, not scheme eligibility, exit-permission or tax calculations.
Total contributions:
Projected corpus:
Illustrative remaining corpus before tax:
Illustrative monthly annuity payout:
Market returns vary and can be negative. Annuity quotes, exit rules and taxes depend on your circumstances. An allocation shown here is not a statement that it is legally available to you.
How this NPS scenario is calculated
Enter your current age, monthly contribution and an annual return assumption. This model projects contributions until age 60. It assumes deposits at the beginning of each month and divides the annual assumption by 12 to obtain a monthly rate. A fixed monthly rate simplifies a market-linked investment: real returns are not smooth.
With contribution P, monthly rate r and n months, projected corpus = P × ((1+r)^n − 1) ÷ r × (1+r). At 0% return the corpus is simply P × n. For example, age 30 and ₹5,000 per month produces ₹18,00,000 of contributions over 30 years when the assumed return is zero.
Annuity illustration and limits
The selected annuity percentage divides the projected corpus into an illustrative annuity allocation and a remaining amount. Monthly payout is allocation × assumed annual payout rate ÷ 12. This is not an annuity quote, an exit-permission calculation or a tax-free withdrawal calculation. Actual payments depend on the annuity option, provider quote and terms.
The 40% default is only a scenario input. Applicable withdrawal and annuity rules can depend on sector, exit type, corpus and current regulations. Confirm them for your account before acting. The remaining amount is shown before tax and is not labelled tax-free.
Use more than one scenario
Compare a lower-return case, zero-return case and another explicit assumption. A negative case helps show market risk. This model excludes existing balances, changing contributions, fees, inflation, tax effects and uncertain retirement dates. It does not compare pension products or recommend an allocation.
Official information
NPS benefits depend on contributions and market performance; there is no assured outcome. Read the PFRDA All Citizen Model FAQ and verify current rules with your account provider. For a simpler monthly-investment projection use our SIP calculator.
Frequently asked questions
Is the projected corpus guaranteed?
No. It is a constant-rate illustration. Actual market results can be lower or higher.
Why is a zero return allowed?
It separates what you contribute from investment growth and provides a useful baseline.
Can I choose any annuity allocation shown?
Not necessarily. The controls model arithmetic only. Check the regulations and your eligible exit options.