NPS (National Pension System) Calculator

Enter Your Contribution to NPS

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NPS Calculation Results

Employee's Total Contribution

(During above period in Tier I A/c)

₹42,00,000

Employer's Total Contribution

(During above period in Tier I A/c)

₹58,80,000

Employee's Total Contribution

(During above period in Tier II A/c)

₹0

Total Contribution

(During above period in Tier I A/c + Tier II A/c)

₹1,00,80,000

Employee Total NPS Wealth Till Retirement

(Before Annuity Purchase)

₹9,18,78,641

Corpus received at retirement

₹5,51,27,185

Corpus invested in annuity purchase

₹3,67,51,456

Monthly Pension on Retirement

₹1,53,131

Year Wise Details and Estimated Growth of Retirement Corpus

Age Opening Balance Emp. Contr.
TIER I		 Empr. Contr.
TIER I		 Emp. Contr.
TIER II		 Total
Contributions		 Yearly NPS
Return		 NPS Wealth
Balance
2601,20,0001,68,00002,88,00016,0873,04,087
273,04,0871,20,0001,68,00002,88,00047,9296,40,015
286,40,0151,20,0001,68,00002,88,00083,10510,11,120
2910,11,1201,20,0001,68,00002,88,0001,21,96414,21,084
3014,21,0841,20,0001,68,00002,88,0001,64,89318,73,977
3118,73,9771,20,0001,68,00002,88,0002,12,31723,74,294
3223,74,2941,20,0001,68,00002,88,0002,64,70629,27,000
3329,27,0001,20,0001,68,00002,88,0003,22,58235,37,582
3435,37,5821,20,0001,68,00002,88,0003,86,51842,12,100
3542,12,1001,20,0001,68,00002,88,0004,57,14949,57,248
3649,57,2481,20,0001,68,00002,88,0005,35,17557,80,424
3757,80,4241,20,0001,68,00002,88,0006,21,37366,89,797
3866,89,7971,20,0001,68,00002,88,0007,16,59676,94,392
3976,94,3921,20,0001,68,00002,88,0008,21,79088,04,183
4088,04,1831,20,0001,68,00002,88,0009,38,0001,00,30,182
411,00,30,1821,20,0001,68,00002,88,00010,66,3781,13,84,560
421,13,84,5601,20,0001,68,00002,88,00012,08,1991,28,80,759
431,28,80,7591,20,0001,68,00002,88,00013,64,8711,45,33,630
441,45,33,6301,20,0001,68,00002,88,00015,37,9481,63,59,578
451,63,59,5781,20,0001,68,00002,88,00017,29,1481,83,76,726
461,83,76,7261,20,0001,68,00002,88,00019,40,3702,06,05,096
472,06,05,0961,20,0001,68,00002,88,00021,73,7102,30,66,805
482,30,66,8051,20,0001,68,00002,88,00024,31,4832,57,86,288
492,57,86,2881,20,0001,68,00002,88,00027,16,2482,87,90,536
502,87,90,5361,20,0001,68,00002,88,00030,30,8323,21,09,368
513,21,09,3681,20,0001,68,00002,88,00033,78,3573,57,75,726
523,57,75,7261,20,0001,68,00002,88,00037,62,2733,98,25,998
533,98,25,9981,20,0001,68,00002,88,00041,86,3894,43,00,387
544,43,00,3871,20,0001,68,00002,88,00046,54,9164,92,43,304
554,92,43,3041,20,0001,68,00002,88,00051,72,5045,47,03,808
565,47,03,8081,20,0001,68,00002,88,00057,44,2906,07,36,098
576,07,36,0981,20,0001,68,00002,88,00063,75,9506,74,00,048
586,74,00,0481,20,0001,68,00002,88,00070,73,7537,47,61,800
597,47,61,8001,20,0001,68,00002,88,00078,44,6248,28,94,425
608,28,94,4251,20,0001,68,00002,88,00086,96,2169,18,78,641

Disclaimer: The above calculations are indicative or estimated values on the basis of your inputs / projections Expected Rate of Return.

Some Important point of NPS

In case of Central Govt Employees / State Government Employees / Corporate Sector Employees - The monthly contribution amount would be 10% of the salary and dearness allowance (DA) to be paid by the employee and matching contribution by employer. The contributions and investments would be deposited in the Tier I of PRAN.

NPS rule: Minimum 40% of the Pension Wealth to be kept invested in life annuity on retirement

There is no fixed monthly pension or a guaranteed pension amount under NPS. Pension Wealth will vary depending on various factors like investment duration, returns on asset classes, retirement age, etc. Monthly pension amount will depend on the annuity plan you choose at the time of retirement/exit from NPS.

Types of annuities providing for monthly pension available to the subscribers of NPS are :-

  1. Pension (Annuity) payable for life at a uniform rate to the annuitant only.
  2. Pension (Annuity) payable for 5, 10, 15 or 20 years certain and thereafter as long as you are alive.
  3. Pension (Annuity) for life with return of purchase price on death of the annuitant (Policyholder).
  4. Pension (Annuity) payable for life increasing at a simple rate of 3% p.a.
  5. Pension (Annuity) for life with a provision of 50% of the annuity payable to spouse during his/her lifetime on death of the annuitant.
  6. Pension (Annuity) for life with a provision of 100% of the annuity payable to spouse during his/her lifetime on death of the annuitant.
  7. Pension (Annuity) for life with a provision of 100% of the annuity payable to spouse during his/her lifetime on death of the annuitant and with return of purchase price on death of the spouse. If the spouse predeceases the annuitant, payment of annuity will cease after the death of the annuitant and purchase price is paid to the nominee.

A subscriber can not change the annuity service provider, once selected

In case of death of subscriber opted annuity, the annuity plan depends on the kind of annuity plan opted by the subscriber. For an example, if the annuity plan is joint life annuity plan, on death of subscriber, the spouse will get the annuity till he / she is alive.

In case of death of the subscriber, check the annuity plan opted by the subscriber and exercise accordingly.

Disclaimer: The above calculations are indicative or estimated values only and not on actual basis.

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