Reva Money · Calculators · NPS calculator
Work out your NPS corpus at 60, the lump sum you can take, and the monthly pension from the annuity.
| Monthly contribution | ₹10,000 |
|---|---|
| Years to 60 | 25 years |
| Expected return a year | 10% |
| Share used for the annuity | 40% |
| Annuity rate a year | 6% |
| Monthly pension | ₹26,758 |
| Corpus at 60 | ₹1.34 Cr |
| Lump sum you can take | ₹80.27 L |
| You put in | ₹30.00 L |
At 60 you can take up to 60% of the NPS corpus as a lump sum; at least 40% buys an annuity that pays a monthly pension.
The calculator grows the contributions monthly at the return you choose, then applies the annuity rate to the annuity share.
Formula: Corpus = SIP value of the monthly contribution; Pension = Corpus × annuity share × annuity rate ÷ 12.
Over 25 years at 10%, about ₹26,758 a month from a ₹1.34 Cr corpus, with ₹80.27 L as a lump sum.
No. It depends on the funds and the equity share you choose. Annuity rates also change; insurers quote them at the time you buy.
Illustrative only. These figures assume steady returns, which real investments don’t give. They are not investment advice.