Explore NPS corpus, contribution growth, annuity scenarios and inflation-adjusted purchasing power without assuming guaranteed returns or withdrawal rights.
India · INR · Method reviewed 24 September 2026 · Independent educational tool, not affiliated with EPFO or NPS Trust.
Your assumptions
Before you calculate
Read the scope and timing below. Defaults are examples, not personalised recommendations. Inputs are processed in your browser and are not saved or sent to a server by these tools. Results are cleared when inputs change.
EPF estimates an account balance; EPS estimates a limited pension formula; NPS models a market-linked retirement and annuity scenario. They are not interchangeable.
Use your official statements and verify decisions with the relevant authority. No forecast or pension award is guaranteed.
Build a retirement scenario
Enter your current corpus, monthly investment and whole years remaining. Employer contributions may be included in the monthly total. Try lower or negative returns as well as positive ones: NPS is market-linked and this smooth projection is not a forecast or guaranteed pension.
Calculation method
Monthly return = (1 + annual effective return)^(1/12) − 1. Each month the existing corpus grows first, then the contribution is added at month end. Contributions increase after every 12 deposits. The displayed gain or loss excludes your opening corpus and new contributions.
Annuity purchase = projected corpus × chosen allocation. Illustrative monthly annuity = annuity purchase × annual payout assumption / 12. This is simple payout arithmetic, not an insurer quote; age, option, spouse benefits and return of purchase price affect actual quotes. Inflation-adjusted corpus = final corpus / (1 + inflation)^years.
Worked zero-return example
With no opening corpus, ₹5,000 monthly for 10 years, zero return and no increase: corpus is ₹6,00,000. A 40% annuity scenario assigns ₹2,40,000 to annuity and ₹3,60,000 to the other portion. At a 6% annual payout assumption, monthly annuity is ₹1,200 before tax.
Allocation is not permission to withdraw
The editable 0–100% allocation is a sensitivity scenario, not an eligibility check. The 40% default is not a universal legal requirement. Applicable exit rules depend on sector, exit type, corpus and current regulations. The non-annuity portion is not labelled tax-free or immediately withdrawable. Fees, taxes, actual NAV timing, irregular deposits and withdrawals are excluded.