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NPS Calculator
Estimate NPS corpus, lump sum, annuity corpus and monthly pension.
● Calculated privately in your browser
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Methodology & Logic
How the NPS Calculator works
Estimate NPS corpus, lump sum, annuity corpus and monthly pension. Below is the exact mathematical or algorithmic model used by this investment utility, along with its key operating assumptions.
Core Formula / Logic
NPS corpus is estimated as monthly contribution future value. Annuity corpus = corpus × annuity allocation.Step-by-step workflow
- Set your starting capital, rate, or tenure in the NPS Calculator controls (or pick a quick INR benchmark preset).
- The calculation engine applies NPS corpus is estimated as monthly contribution future value. Annuity corpus = corpus × annuity allocation. on every change and separates principal from compounded gains or interest.
- Inspect the visual chart breakdown and adjust sliders to stress-test lower returns, higher inflation, or extra prepayments.
Practical Walkthrough
Worked example & key advantages
Example Scenario
A ₹10,000 monthly NPS contribution for 25 years at 10% return estimates a retirement corpus, then splits it into lump sum and annuity.
Why use this NPS tool
- Transparent compounding and amortization math (NPS) with Indian Lakh and Crore formatting.
- Side-by-side visual charts showing how tenure, rate resets, or step-ups change lifetime wealth.
- 100% browser-local execution—your loan, investment, and tax figures are never uploaded or stored on a server.
Important Assumptions & Scope
- Returns are market-linked and not guaranteed.
- Monthly contributions are assumed at month-end.
- Annuity return is only an estimate.
- Tax treatment depends on employee and employer contribution rules.
Common Questions
Frequently Asked Questions — NPS
Clear answers to common questions about methodology, edge cases, and privacy.
Is NPS return guaranteed?
No. NPS investments are market-linked and returns vary by asset allocation.
What is annuity allocation?
It is the portion used to buy pension income at retirement.
Does this include tax benefit?
It includes an illustrative tax comparison, but exact benefit depends on your contribution type and income.