← All calculators/Government schemes
NPS calculator.
A monthly contribution until 60. Then part of the pot buys an annuity that pays a pension for life, and the rest comes to you as a lump sum.
Depends on how much is in equity. 8 to 10% is a fair range for a mixed allocation.
At least 20% for most private-sector subscribers since December 2025, 40% for government employees.
At 60, in 30 years
₹1.14 Cr
₹68.4 L you can take as a lump sum, and a pension of about ₹22,793 a month from the rest.
- You put in
- ₹18.0 L
- Corpus at 60
- ₹1.14 Cr
- Lump sum
- ₹68.4 L
- Pension, a month
- ₹22,793
How it adds up
- You put in, in all₹18,00,000
- plusGrowth at 10%₹95,96,627
- equalsCorpus at 60₹1,13,96,627
- minus40% buys an annuity₹45,58,651
- equalsLump sum to you₹68,37,976
The annuity then pays about ₹22,793 a month, for life.
What this assumes
A steady return until you retire. Since December 2025 most private-sector subscribers can put as little as 20% into an annuity; government employees must still put in 40%. Annuity rates vary by insurer and are taxed as income.
Rules and rates from
Education only, not investment, tax or legal advice. I am not a SEBI-registered investment adviser.
Spotted a mistake? Tell me →