NPS Calculator for India
Estimate the retirement corpus your National Pension System account could build, from a monthly contribution, expected return and years to retirement.
- Free
- No sign-up
Enter a contribution, return and years to see the corpus.
Worked example
With these example inputs:
- Monthly contribution₹8,000
- Expected return9%
- Years to retirement25 yr
Retirement corpus: ₹8,968,976
- Starting amount₹0.00
- Total contributions₹2,400,000
- Total interest₹6,568,976
- Total growth273.7%
Frequently asked questions
What is the NPS?
The National Pension System is a government-backed retirement scheme. Contributions are invested in market-linked funds and build a corpus you draw on after 60.
Is the full corpus paid as cash?
No. At retirement a portion must buy an annuity for a regular pension, while the rest can be withdrawn as a lump sum. This calculator shows the total corpus.
What is a retirement corpus in simple terms?
A retirement corpus is the total pot of money you build up for retirement by paying in a regular amount over many years. Each contribution is invested and is expected to grow, so the final pot is much larger than the sum of what you paid in. The longer you save and the higher the return, the bigger the corpus tends to be. It is the lump sum you reach by the time you stop working.
How does the tool work out the corpus?
It grows your monthly contributions at the expected return you enter, compounding the balance each month over the years to retirement. So a monthly contribution of 5,000 at 10 percent over 30 years projects to a corpus of about 11,300,000, of which roughly 9,500,000 is growth. The tool also shows how much you paid in and how much is gain. The growth percentage compares the gain to your total contributions.
What is not included here?
It assumes one fixed return for the whole period and the same contribution every month, but real returns rise and fall over decades, so the figure is a long-horizon projection, not a guarantee. It shows the gross corpus and does not subtract fund charges or any tax, and it does not model turning part of the pot into a regular pension. A small change in the assumed return makes a big difference over many years. Use a realistic return, start early, and read the corpus as a range.