What is an NPS calculator?
An NPS calculator estimates how your National Pension System contributions may grow by retirement and how the final corpus may split between lump sum and annuity.
NPS calculator
Estimate National Pension System corpus, lump sum withdrawal, annuity purchase, and pension income under India-style NPS retirement assumptions.
This estimate applies monthly compounding until retirement, then splits the final corpus into lump sum and annuity using the selected NPS-style annuity allocation.
How this NPS calculator helps
This calculator is useful for retirement planning in India because it connects accumulation with retirement withdrawal structure in one flow.
Instead of showing only the final corpus, it also highlights the lump sum portion, annuity corpus, and an indicative pension estimate.
How to use the result
Use the final corpus as the starting point, then compare how much is available as lump sum and how much is redirected to annuity. That split matters when planning liquidity and retirement income together.
It is also useful to test more conservative return and annuity assumptions so the retirement estimate stays realistic.
Frequently asked questions
Why does the calculator ask for annuity allocation?
NPS retirement planning in India often includes a mandatory or practical annuity component, so the calculator shows how much corpus remains for annuity purchase and monthly pension estimation.
Can I compare NPS with EPF or PPF?
Yes. NPS is useful to compare with EPF and PPF because all three can play different roles in a retirement strategy.