Planning / Free calculator
NPS calculator
Explore an illustrative retirement corpus and gross annuity payout, with assumptions kept in your control.
No signup or account connection. Inputs and results stay in this browser tab, without automatic saving or transmission.
02 / The bigger picture
Illustrative retirement corpus
₹70,42,753
With the example assumptions shown. An estimate, not a promise.
- Existing corpus + contributions
- ₹18,00,000
- Modelled growth
- ₹52,42,753
- Illustrative annuity capital
- ₹28,17,101
- Corpus outside this annuity scenario
- ₹42,25,652
- Illustrative gross monthly payoutNot a guaranteed pension or annuity quote.
- ₹14,086
View the yearly numbers
| Year | Principal | Value |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹60,000 | ₹62,169 |
| 2 | ₹1,20,000 | ₹1,29,312 |
| 3 | ₹1,80,000 | ₹2,01,827 |
| 4 | ₹2,40,000 | ₹2,80,142 |
| 5 | ₹3,00,000 | ₹3,64,723 |
| 6 | ₹3,60,000 | ₹4,56,071 |
| 7 | ₹4,20,000 | ₹5,54,726 |
| 8 | ₹4,80,000 | ₹6,61,273 |
| 9 | ₹5,40,000 | ₹7,76,344 |
| 10 | ₹6,00,000 | ₹9,00,621 |
| 11 | ₹6,60,000 | ₹10,34,841 |
| 12 | ₹7,20,000 | ₹11,79,797 |
| 13 | ₹7,80,000 | ₹13,36,350 |
| 14 | ₹8,40,000 | ₹15,05,428 |
| 15 | ₹9,00,000 | ₹16,88,032 |
| 16 | ₹9,60,000 | ₹18,85,243 |
| 17 | ₹10,20,000 | ₹20,98,232 |
| 18 | ₹10,80,000 | ₹23,28,260 |
| 19 | ₹11,40,000 | ₹25,76,691 |
| 20 | ₹12,00,000 | ₹28,44,995 |
| 21 | ₹12,60,000 | ₹31,34,764 |
| 22 | ₹13,20,000 | ₹34,47,715 |
| 23 | ₹13,80,000 | ₹37,85,702 |
| 24 | ₹14,40,000 | ₹41,50,727 |
| 25 | ₹15,00,000 | ₹45,44,955 |
| 26 | ₹15,60,000 | ₹49,70,721 |
| 27 | ₹16,20,000 | ₹54,30,548 |
| 28 | ₹16,80,000 | ₹59,27,161 |
| 29 | ₹17,40,000 | ₹64,63,503 |
| 30 | ₹18,00,000 | ₹70,42,753 |
What this assumes
- Existing corpus and end-of-month contributions use the same effective annual return assumption.
- The annuity allocation is a hypothetical choice. Actual exit conditions depend on subscriber category and circumstances.
- The gross monthly payout is a simple illustration, not an annuity quote or a guaranteed pension. Taxes, fees, inflation and future rate changes are excluded.
Currency is rounded to the nearest rupee for display. See the method and limits ↓
Understand what is behind the number.
Formula and worked example
Grow the existing corpus and monthly contributions to the selected age. Annuity capital = modelled corpus × allocation ÷ 100. Gross monthly payout illustration = annuity capital × annual payout rate ÷ 1200.
₹12,000 already invested plus ₹1,000 a month for one year at zero growth gives ₹24,000. A hypothetical 40% annuity allocation at a 6% gross annual payout rate gives ₹48 a month. That split is an example, not withdrawal guidance.
Limits, assumptions and sources
- Existing corpus and end-of-month contributions use the same effective annual return assumption.
- The annuity allocation is a hypothetical choice. Actual exit conditions depend on subscriber category and circumstances.
- The gross monthly payout is a simple illustration, not an annuity quote or a guaranteed pension. Taxes, fees, inflation and future rate changes are excluded.
Fields show the accepted input ranges. Results above ₹1 lakh crore are rejected. Limits are software modelling bounds, not recommendations or eligibility rules. Different compounding and contribution-timing conventions can produce different results in other calculators.
Methodology v1.0.0, reviewed as an educational scenario. Published 2026-10-30. Our sourcing and correction process.