AMFI Registered MFD · ARN-130934 · Mutual fund investments are subject to market risks. CA Amit Kumar Jain · +91 93522 44475 Poornima Jain · +91 92525 44475 support@plenitude.co.in

NPS calculator: your pension corpus and monthly pension.

Enter your monthly NPS contribution, age, an expected return and how much goes into an annuity. See the estimated corpus, lump sum and monthly pension.

₹
₹500₹1L
yrs
1859
%
6%14%
%
20%100%
%
4%9%
Corpus at 60—
Lump sum you can withdraw—
Monthly pension (est.)—
CorpusContributed

For illustration only, at the rates you enter. Actual results will differ.

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How it is calculated

Contributions grow monthly at the assumed return until age 60. At exit, PFRDA rules require part of the corpus to buy an annuity (a pension plan from an insurer); the rest can be withdrawn. The monthly pension is the annuity amount × the annuity rate ÷ 12.

Exit and annuity rules have changed in recent years, so check the current PFRDA rules and annuity rates before relying on these figures.

Common questions

What tax benefit does NPS give?
Under the old regime, an extra deduction of up to ₹50,000 a year is available for NPS, over and above the usual limit; employer contributions also get a deduction. Check current rules.
Is the pension fixed?
The annuity rate is fixed when you buy the annuity, but the corpus before that is market-linked.
Can I withdraw early?
Partial withdrawals are allowed for specific needs after a minimum period, within limits set by PFRDA.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns shown are illustrations at an assumed rate and are not guaranteed. Plenitude Connect is an AMFI-registered Mutual Fund Distributor (ARN-130934); these tools are for education and are not investment advice.
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