Estimated retirement corpus
₹2,26,04,879
Projected over 30 years.
NPS Calculator
Project a possible NPS retirement corpus from your age, contribution, retirement age and assumed annual return.
Under 30 seconds
Updated 1 Sept 2026
12,450people used this
Results dashboard
Total contributions
₹36,00,000
₹10,000 each month.
Estimated investment growth
₹1,90,04,879
Based on the return assumption.
Years remaining
30 years
Age 30 to 60.
An NPS calculator projects a possible retirement corpus by investing your monthly contribution until retirement and applying an assumed monthly return. It separates your total contributions from estimated growth; actual NPS returns, charges, annuity choices and rules at retirement can differ.
Visual breakdown
A visual view of your calculation.
Interactive charts arrive here soon.
Year-wise NPS projection
Estimated contributions, growth and corpus at each year-end.
| Year | Age | Contributed | Est. growth | Corpus |
|---|---|---|---|---|
| 1 | 31 | ₹1,20,000 | ₹5,656 | ₹1,25,656 |
| 2 | 32 | ₹2,40,000 | ₹24,469 | ₹2,64,469 |
| 3 | 33 | ₹3,60,000 | ₹57,818 | ₹4,17,818 |
| 4 | 34 | ₹4,80,000 | ₹1,07,225 | ₹5,87,225 |
| 5 | 35 | ₹6,00,000 | ₹1,74,371 | ₹7,74,371 |
| 6 | 36 | ₹7,20,000 | ₹2,61,113 | ₹9,81,113 |
| 7 | 37 | ₹8,40,000 | ₹3,69,504 | ₹12,09,504 |
| 8 | 38 | ₹9,60,000 | ₹5,01,811 | ₹14,61,811 |
| 9 | 39 | ₹10,80,000 | ₹6,60,537 | ₹17,40,537 |
| 10 | 40 | ₹12,00,000 | ₹8,48,450 | ₹20,48,450 |
| 11 | 41 | ₹13,20,000 | ₹10,68,605 | ₹23,88,605 |
| 12 | 42 | ₹14,40,000 | ₹13,24,379 | ₹27,64,379 |
| 13 | 43 | ₹15,60,000 | ₹16,19,501 | ₹31,79,501 |
| 14 | 44 | ₹16,80,000 | ₹19,58,092 | ₹36,38,092 |
| 15 | 45 | ₹18,00,000 | ₹23,44,703 | ₹41,44,703 |
| 16 | 46 | ₹19,20,000 | ₹27,84,364 | ₹47,04,364 |
| 17 | 47 | ₹20,40,000 | ₹32,82,628 | ₹53,22,628 |
| 18 | 48 | ₹21,60,000 | ₹38,45,632 | ₹60,05,632 |
| 19 | 49 | ₹22,80,000 | ₹44,80,156 | ₹67,60,156 |
| 20 | 50 | ₹24,00,000 | ₹51,93,688 | ₹75,93,688 |
| 21 | 51 | ₹25,20,000 | ₹59,94,502 | ₹85,14,502 |
| 22 | 52 | ₹26,40,000 | ₹68,91,738 | ₹95,31,738 |
| 23 | 53 | ₹27,60,000 | ₹78,95,491 | ₹1,06,55,491 |
| 24 | 54 | ₹28,80,000 | ₹90,16,916 | ₹1,18,96,916 |
| 25 | 55 | ₹30,00,000 | ₹1,02,68,334 | ₹1,32,68,334 |
| 26 | 56 | ₹31,20,000 | ₹1,16,63,358 | ₹1,47,83,358 |
| 27 | 57 | ₹32,40,000 | ₹1,32,17,024 | ₹1,64,57,024 |
| 28 | 58 | ₹33,60,000 | ₹1,49,45,945 | ₹1,83,05,945 |
| 29 | 59 | ₹34,80,000 | ₹1,68,68,473 | ₹2,03,48,473 |
| 30 | 60 | ₹36,00,000 | ₹1,90,04,879 | ₹2,26,04,879 |
Smart Insights
Generated from the numbers you entered — no guesswork.
- At the assumed return, contributions of ₹10,000 per month could grow to an estimated ₹2,26,04,879 over 30 years.
- Estimated growth is ₹1,90,04,879, or 84.1% of the projection.
- Starting earlier gives compounding more time, even when the monthly contribution is unchanged.
- NPS returns are not guaranteed, and this projection does not model annuity purchase, withdrawal or future tax rules.
What is the NPS Calculator?
What the tool does, who it is for and what it cannot tell you.
The NPS calculator projects the retirement corpus that a regular contribution could build by your retirement age, using the expected return you enter and compounding it over the years remaining. It shows the corpus alongside the amount you actually contributed, which makes the compounding component visible instead of implied.
It suits anyone deciding how much to contribute, or testing whether starting earlier or contributing more moves the outcome meaningfully. Because NPS is a long-horizon product, small changes in contribution or years remaining have a large effect on the projection.
It is a projection of a corpus, not of what you will receive. NPS is market-linked, so returns vary, and the rules on withdrawal, annuitisation and tax treatment at retirement determine what actually reaches you. Those are outside this calculation.
How does the NPS Calculator work?
Each step the calculator runs, in plain language.
- 1
Set the accumulation period
The calculator uses the difference between current age and retirement age to find the number of months.
- 2
Add monthly contributions
Each monthly contribution is added to the projected NPS corpus.
- 3
Apply an assumption
A constant monthly rate derived from your expected annual return is used only to illustrate compounding.
What to enter in each field
The exact figure each input expects, so the result means what you think it means.
- Monthly contribution
- The amount you expect to invest each month, held constant for the whole projection. Model a rising contribution by running the calculation again at a higher figure.
- Current age and retirement age
- Together these set the years of compounding. This is the single most influential input in the projection, more than the return in many cases.
- Expected annual return
- Your assumption for the blended return across your chosen asset mix. NPS is market-linked, so use a conservative figure and test a range.
NPS Calculator formula
The exact maths behind every number on this page.
Each month: corpus = corpus × (1 + r) + contribution
- r
- Expected monthly return = annual return ÷ 12 ÷ 100
- contribution
- Monthly NPS contribution
The contribution is added at the end of each month. The return assumption remains constant for this projection and does not predict actual NPS performance.
NPS Calculator calculation example
Age 30, retirement at 60, ₹10,000 monthly contribution and 10% assumed annual return.
- 1Years remaining30 years
- 2Monthly contribution₹10,000
- 3Total contributions₹36,00,000
- 4Return assumption10% p.a. for projection
The calculator estimates the retirement corpus and separates assumed growth from contributions; actual NPS outcomes can differ.
Important assumptions
What this calculation includes, and what it leaves out.
- Contributions remain constant every month and are added at month-end in this model.
- The expected return is an assumption, not a prediction or guarantee. Actual NPS returns and charges vary.
- This calculator does not model asset allocation, fund charges, inflation, annuity purchase, lump-sum withdrawal, tax or future government rules.
- Final withdrawal and annuity treatment depends on the rules applicable when you retire.
Financial tips
Practical guidance to act on your result.
- Test a range of returns rather than relying on one projection.
- Increase contributions only when the higher amount fits your budget.
- Consider inflation when translating a future corpus into today's lifestyle needs.
- NPS withdrawal, annuity and tax treatment depend on applicable rules at retirement.
Frequently asked questions
Short, direct answers to the questions we hear most.
Read the thinking behind it
Guides that explain how to use this calculation in a real decision.
Investments • 6 min read
What return should you actually expect?
Why the rate you type into a calculator matters more than the calculator, and how to choose it sensibly.
Read guideRelated calculators
Keep planning with tools that pair well with this one.
PPF Calculator
Estimate PPF maturity value and interest earned year by year.
SIP Calculator
Calculate SIP returns and see how your monthly investments could grow.
Step-Up SIP Calculator
See how annual SIP increases could grow your projected corpus.
SWP Calculator
See how long a corpus supports a fixed monthly withdrawal.
Inflation Calculator
Estimate future costs and the changing purchasing power of money.
Disclaimer
CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.