NPS Calculator
Estimate retirement corpus from regular contributions.
About this tool
This NPS calculator projects a retirement corpus from a fixed monthly contribution and an assumed annual return. It is an illustration of long-term compounding, not a prediction or guarantee of investment performance.
How to use this calculator
- Enter the monthly contribution.
- Enter an assumed annual return and number of years.
- Calculate total contributions and estimated growth. Review NPS exit and annuity rules separately.
Formula
Worked example
For a ₹5,000 monthly contribution over 20 years, total contributions are ₹12,00,000 before investment growth. The projected corpus depends heavily on the assumed return.
Frequently asked questions
Is the NPS return guaranteed?
No. NPS investments are market-linked, and actual returns can differ from the assumed rate.
Does this estimate calculate my pension?
It estimates a corpus. The pension received depends on annuity purchase, annuity rates, withdrawal choices and the rules applicable at exit.
Does it include tax benefits?
No. Tax benefits depend on applicable law and an individual’s circumstances, and are not included in this projection.
Why does the number of years matter so much?
A longer period allows more monthly contributions and more time for growth to compound, although market results remain uncertain.
SolveKit provides general calculations for information and planning. Results depend on the values and assumptions entered. For financial, investment, payroll or tax decisions, confirm the applicable product terms and current rules with an authoritative source or qualified professional.