Use this NPS calculator to understand retirement split, not just final corpus
An NPS corpus estimate is only useful when it shows what happens at retirement. Many users do not just want a final number. They want to know how much of the corpus may be available as lump sum, how much may go into annuity, and how much of the final value came from contributions versus growth.
This page is built around that planning question. You enter monthly contribution, expected return, years left, and annuity allocation, and the calculator shows the projected corpus, estimated lump-sum share, annuity corpus, and wealth gained. It is a retirement-planning aid, not a live NPS statement or a definitive reading of withdrawal rules.
Review context
Review basis: Normal-exit planning reviewed against official NPS withdrawal guidance; market return stays user-input.
Built and reviewed by Atul Sharma, Founder, builder, and reviewer.
What this page helps you decide
- Projects NPS corpus from a fixed monthly contribution and annual return assumption.
- Separates the projected corpus into lump-sum and annuity portions using the annuity share selected on this page.
- Shows the gap between total invested amount and wealth gained so the result is easier to interpret.
What this estimate leaves out
- It does not fetch live NPS scheme returns or your CRA balance.
- It does not decide the legal withdrawal ratio or exit treatment for every retirement or early-exit scenario.
- It does not model tax treatment on contribution, withdrawal, or annuity income.
Contribution growth and annuity-share logic
The calculator compounds the monthly contribution over the period you enter using the annual return assumption shown in the form. That produces a projected corpus under one consistent return path rather than trying to guess year-by-year market variation.
Once the corpus is estimated, the selected annuity allocation is used to split the total between the lump-sum portion and the annuity corpus. This is useful for planning, but it is still not a substitute for the exact exit rules, annuity choice, or live return experience of the NPS account you actually hold.
Examples
Salaried saver building retirement corpus
- Monthly contribution: ₹5,000
- Return and years: 10% for 25 years
This is the typical long-run planning case: use the projected corpus to understand whether the current contribution level is even close to your retirement target.
Late-start contributor
- Monthly contribution: ₹10,000
- Years left: 15 years
A later start often means contributions need to be larger because fewer compounding years remain. Compare this with a longer-duration scenario before you decide contribution level.
Higher annuity-share scenario
- Annuity allocation: 60%
- Question: How much corpus remains available as lump sum?
This helps when you want to see how a higher annuity allocation changes the balance between immediate retirement corpus access and future income planning.
How to use this NPS Calculator
- Enter the monthly contribution you expect to keep investing into NPS.
- Set the annual return, number of years left, and the annuity-allocation percentage you want to test.
- Read the corpus, lump-sum share, annuity corpus, and invested-versus-growth split together rather than focusing on the final corpus alone.
Common mistakes
- Treating the user-entered return as if it were a guaranteed NPS outcome.
- Ignoring the annuity split and reading only the headline corpus number.
- Using the page as if it were an official withdrawal-rule engine instead of a planning calculator.
Edge cases and limitations
- Actual NPS experience can differ materially because markets do not deliver one smooth annual return every year.
- Withdrawal, tax, and annuity-treatment rules can change over time or vary by the exit context being planned.
Methodology and review basis
Built and reviewed by Atul Sharma • Last updated 2026-03-22
This page compounds a fixed monthly contribution using the return entered by the user, then splits the projected corpus by the annuity share shown on the form. It is built for retirement planning, not as a live NPS account statement.
Site-wide review standards live in the review methodology and sources policy.
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Questions that usually come up
- Does this calculator show the annuity split?
- Yes. The page separates the projected corpus into the lump-sum portion and the annuity corpus based on the annuity share you choose.
- Does it decide the legal NPS withdrawal ratio for me?
- No. It is a planning tool. You should still confirm the applicable NPS exit rules and options for the situation you are planning around.
- Does this use live NPS returns?
- No. The return input is entirely user-controlled so you can test a conservative or aggressive assumption yourself.
- Why does invested amount matter?
- Because it helps you see how much of the projected corpus is coming from your own contributions versus growth over time.
- Can I use this as my final retirement plan?
- No. Use it as a planning estimate, then compare the result with your real NPS holdings, expected retirement age, and income needs.