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National Pension System

NPS Calculator

Project the corpus your National Pension System account could reach by age sixty from your monthly contribution and an expected return, then see the split between the lumpsum you may withdraw and the annuity that funds your monthly pension. An educational planning tool, not financial advice.

Project your NPS corpus and pension

Enter your current age, the amount you will contribute every month, the annual return you want to assume and how much of the final corpus you will put into an annuity. At least 40 percent must go to an annuity under current NPS rules. Every number below is illustrative and based entirely on the values you enter.

Corpus at age 60 (illustrative)
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Your contributions Estimated growth
Total invested
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Lumpsum at 60
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Monthly pension
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This is an illustrative projection based on your inputs only, and returns are not guaranteed. It grows your monthly contribution to age sixty at the annual return you assume, compounded monthly, then splits the corpus into the annuity share you choose and the balance as lumpsum, and estimates a monthly pension as the annuity amount multiplied by the annuity rate you assume, divided by twelve. NPS returns depend on the equity, corporate bond and government securities mix you pick and on your fund manager, and they vary year to year. Under current rules at least 40 percent of the corpus must buy an annuity, the lumpsum portion up to 60 percent is tax exempt and annuity income is taxable at your slab rate. Actual annuity rates are set by the insurer at the time of purchase. Nothing here is a forecast, an offer or financial advice.

Comparing retirement routes? Try the retirement calculator for a target corpus, or the PPF calculator for the guaranteed option.

Auspicious days to start contributing

In Vedic tradition, beginning something meant to accumulate over decades, such as a retirement contribution, on a supportive day and window (muhurat) is considered auspicious. Below are upcoming days with a favourable window, shown for your city. This is a lens on timing only, never a market signal.

All times in IST, local to Delhi
Tue, 11 Aug 2026
Mangalavara
Pushya Nakshatra - the star of Goddess Lakshmi, auspicious for gold
Labh: 10:47–12:27 Amrit: 12:27–14:06 Shubh: 15:46–17:25
Tue, 8 Sep 2026
Mangalavara
Pushya Nakshatra - the star of Goddess Lakshmi, auspicious for gold
Labh: 10:45–12:19 Amrit: 12:19–13:53 Shubh: 15:27–17:01
Mon, 5 Oct 2026
Somavara
Pushya Nakshatra - the star of Goddess Lakshmi, auspicious for gold
Amrit: 06:17–07:45 Shubh: 09:13–10:42 Labh: 15:06–16:35
Sun, 1 Nov 2026
Ravivara
Pushya Nakshatra - the star of Goddess Lakshmi, auspicious for gold
Labh: 09:19–10:42 Amrit: 10:42–12:05 Shubh: 13:28–14:51
Fri, 6 Nov 2026
Shukravara
🎉 true
Dhanteras - the traditional gold & silver buying day
Labh: 07:59–09:21 Amrit: 09:21–10:43 Shubh: 12:05–13:27
Sun, 8 Nov 2026
Ravivara
🎉 true
Diwali · Lakshmi Pujan - auspicious for wealth
Labh: 09:22–10:44 Amrit: 10:44–12:05 Shubh: 13:27–14:48

See how long-term wealth sits in your chart

Go beyond the numbers. Your free Financial Birth Chart reads your wealth yogas, your accumulation and gains significators (the 2nd and 11th houses) and your currently running Dasha, from your own birth details.

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FAQ

Frequently Asked Questions

Your contributions are treated as a monthly investment growing at the annual return you assume, compounded monthly, until you turn sixty. The calculator adds up what every instalment grows into over the months remaining, which is the standard future value of a series of regular payments. The result depends entirely on the return you assume, and NPS returns are market linked rather than guaranteed, so the real outcome will differ.
Under current rules you may withdraw up to 60 percent of your corpus as a lumpsum at sixty and that portion is exempt from income tax. The remaining 40 percent or more must be used to buy an annuity from an empanelled insurer, which pays you a regular pension that is taxable at your slab rate. If the total corpus is below the small threshold set by the regulator, you may be allowed to withdraw all of it.
There is no correct number to assume, because NPS returns depend on the scheme mix you choose between equity, corporate bonds and government securities, and on your fund manager. Equity heavy allocations have historically been more volatile and government securities steadier. Many people model a moderate long term figure and then check the outcome against a lower assumption too, to see how sensitive the plan is. Past returns do not indicate future returns.
Under the old tax regime, contributions qualify for deduction under Section 80CCD(1) within the overall Section 80C limit, with an additional deduction under Section 80CCD(1B) for self contributions, and a separate deduction for the employer contribution under Section 80CCD(2), which is also available under the new regime within the prescribed limit. The lumpsum withdrawal at sixty is exempt while annuity income is taxable. Limits change with each Budget, so confirm the current position with a tax professional.
They serve different purposes. PPF gives a government set, guaranteed and tax free return with a fifteen year lock in. NPS is market linked, cheaper than most funds, and locks money until sixty with a compulsory annuity at the end, which suits a pension but not flexible goals. A mutual fund offers full liquidity and no annuity requirement but no tax exempt maturity. Many people use a combination rather than choosing only one.
No. AstroCapitalX is an educational Vedic astrology platform and is not a SEBI-registered investment advisor or a pension distributor. This NPS calculator is an illustration based on the numbers you enter, and NPS returns and annuity rates are not guaranteed. Nothing here is an offer, a recommendation or advice. Please consult a qualified, registered advisor before making any retirement decision.