EPF
Project your Employees’ Provident Fund balance from your and your employer’s monthly contributions.
Savings and loans
NPS calculator
Estimate your National Pension System corpus, lump sum and monthly pension for returns you assume.
a month
years
% a year
A figure you assume. NPS returns follow the markets and nobody can promise one.
%
At least 20% for most subscribers. Government employees must use 40%.
% a year
A figure you assume. Annuity providers set their own.
In today’s money
Putting in ₹10,000 a month for 25 years at an assumed 10% a year could build a corpus of ₹1.34 crore, with a pension of about ₹26,758 a month on paper.
- Amount you paid in
- ₹30,00,000≈ ₹30 lakh
- Estimated growth
- ₹1,03,78,903≈ ₹1.04 crore · 346% on top of what you paid in
- Estimated corpus at retirement
- ₹1,33,78,903≈ ₹1.34 crore
- Lump sum you can take
- ₹80,27,342≈ ₹80.27 lakh
- Estimated monthly pension
- ₹26,758from an annuity bought with ₹53.52 lakh
Growth, year by year
Tap or hover the chart, or use the slider, to read any year.
- Estimated corpus
- Amount you paid in
After 25 years
Estimated corpus
₹1,33,78,903
Amount you paid in
₹30,00,000
Year-by-year table
| Year | Estimated corpus | Amount you paid in |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹1,26,703 | ₹1,20,000 |
| 2 | ₹2,66,673 | ₹2,40,000 |
| 3 | ₹4,21,300 | ₹3,60,000 |
| 4 | ₹5,92,118 | ₹4,80,000 |
| 5 | ₹7,80,824 | ₹6,00,000 |
| 6 | ₹9,89,289 | ₹7,20,000 |
| 7 | ₹12,19,583 | ₹8,40,000 |
| 8 | ₹14,73,993 | ₹9,60,000 |
| 9 | ₹17,55,042 | ₹10,80,000 |
| 10 | ₹20,65,520 | ₹12,00,000 |
| 11 | ₹24,08,510 | ₹13,20,000 |
| 12 | ₹27,87,415 | ₹14,40,000 |
| 13 | ₹32,05,997 | ₹15,60,000 |
| 14 | ₹36,68,409 | ₹16,80,000 |
| 15 | ₹41,79,243 | ₹18,00,000 |
| 16 | ₹47,43,567 | ₹19,20,000 |
| 17 | ₹53,66,983 | ₹20,40,000 |
| 18 | ₹60,55,679 | ₹21,60,000 |
| 19 | ₹68,16,491 | ₹22,80,000 |
| 20 | ₹76,56,969 | ₹24,00,000 |
| 21 | ₹85,85,457 | ₹25,20,000 |
| 22 | ₹96,11,169 | ₹26,40,000 |
| 23 | ₹1,07,44,287 | ₹27,60,000 |
| 24 | ₹1,19,96,057 | ₹28,80,000 |
| 25 | ₹1,33,78,903 | ₹30,00,000 |
Where the corpus comes from
Tap a segment to see its rupees.
Estimated growth₹1.04 crore78% of total
Of the ₹1,33,78,903 corpus, ₹30,00,000 is money you paid in and ₹1,03,78,903 is estimated growth.
What this assumes
- Each contribution goes in at the start of the month, and the return you assumed stays the same every year.
- The pension is the annuity amount times the annuity rate, divided by 12. Real annuities differ by type.
- The return and the annuity rate are numbers you chose, not promises. NPS returns move up and down.
- Fund charges, tax at exit and the tax deductions on contributions are not taken into account.
What next
How it works
The National Pension System invests your monthly contributions in funds until retirement. Returns follow the markets and are not promised, so this calculator grows your contributions at a yearly return that you assume. At normal exit you take part of the corpus as a lump sum and must use the rest to buy an annuity, which pays a pension.
- Annuity: at least 20% of the corpus for non-government subscribers under the amendment of December 2025, and 40% for government subscribers.
- Tax deductions, for information: the old regime allows an extra deduction of up to ₹50,000 for your own contribution (section 80CCD(1B) of the 1961 Act; the Income-tax Act, 2025 section for it is UNVERIFIED (reported as section 124)). The employer’s contribution is deductible up to 10% of salary, or 14.000000000000002% for government employers and for others under the new regime (section 80CCD(2); section 124(1) and (2) of the 2025 Act). These limits are not used in the calculation.
Corpus = monthly amount x ((1 + i)^n - 1) ÷ i x (1 + i), with i = yearly return ÷ 12
A worked example
₹10,000 a month for 25 years at an assumed 10% a year grows to ₹1,33,78,903 (₹1.34 crore) from ₹30,00,000 paid in. Putting 40% into an annuity at an assumed 6% gives about ₹26,758 a month, and the remaining ₹80,27,342 is the lump sum. This is arithmetic on the numbers you enter, not a forecast.
What it leaves out
- The mix of funds and any switch between them.
- Fund management charges and annuity provider charges.
- Tax on the lump sum, pension and the deductions on contributions.
- Annuity types, such as a pension that returns the purchase price, which pay less each month.
- Early exit before retirement age, and exceptions for small corpuses.
- The 40% minimum for government subscribers. The annuity box only enforces the lower limit for other subscribers.
Questions people ask
What return should I assume?
No one can promise a return. NPS funds follow equity, corporate bond and government bond markets, so actual returns vary from year to year and can be negative. Try a low, a middle and a high figure to see the range.
Do I have to buy an annuity?
At normal exit, yes. Non-government subscribers must use at least 20% of the corpus under the rules as reported for December 2025, and government subscribers 40%. The rest can be taken as a lump sum. Rules for early exit and small corpuses differ and are not modelled.
How is the monthly pension worked out here?
Annuity amount times the annuity rate, divided by 12. Real annuity providers quote their own rates depending on age, type and whether the price is returned, so use the box to try several.
Is the money I put in tax deductible?
The tax rules give deductions for NPS contributions, and they differ by regime. The page lists them for information. They depend on your salary and regime, and this tool does not work out your tax.
Why is the corpus different from my NPS statement?
NPS units are bought at the unit value on the day, contributions are not always monthly on the first, and charges are deducted. This tool assumes a steady return and ignores charges.