NPS Calculator – National Pension Scheme & Retirement Planning
Instantly calculate your NPS corpus and monthly pension using India’s most accurate National Pension Scheme (NPS) calculator. Includes inflation adjustment, pay commission, DA, and full salary progression logic. Plan your retirement with confidence!
If your current basic is ₹69,700, DA is 55%, annual increment is 3%, and you retire at 60, you could accumulate a corpus of over ₹8 crore (nominal) or ₹1.3 crore (inflation-adjusted at 7%) with 8% annual returns. Your monthly pension could be ₹1.7 lakh (nominal) or ₹27,000 (real terms).
Frequently Asked Questions
How is the NPS corpus calculated?
The calculator simulates your salary, DA, and contributions month-by-month, including pay commission jumps and DA resets, and compounds all contributions at your chosen rate of return.
How does inflation adjustment work?
All future values are discounted to today's rupees using your inflation rate, so you can see the real purchasing power of your retirement corpus and pension.
What happens if I retire before 60?
If you retire before 60, NPS rules allow only 20% lump sum withdrawal; the rest must go into an annuity. At 60 or later, you can withdraw up to 60% as a lump sum.