How this calculation works
Build a retirement-corpus scenario from your current NPS balance and future monthly contributions, then split that corpus into an entered annuity share and the remainder. The pension estimate is a simple annual payout-rate illustration, not an insurer quote or a determination of the withdrawal rules that apply to your account.
Worked example
This example uses illustrative inputs. Your current result is shown above.
Enter ₹1,00,000 current corpus, ₹1,000 per month, 10 years and 0% investment return to isolate contributions. The corpus is ₹2,20,000. Allocating 40% gives ₹88,000 to an annuity and ₹1,32,000 as the indicative lump sum. At an illustrative 6% annuity payout rate, pension is ₹440 per month.
Assumptions and limits
- Contributions arrive at month-end; the investment return is converted from an effective annual rate.
- The annuity percentage is an input, not a universal mandatory minimum or an eligibility check.
- Annuity product options, longevity, tax, charges and changing investment returns are not priced.
Questions people ask
Is the annuity rate another investment return?
No. It is used to translate the allocated annuity purchase amount into an annual pension illustration. Actual payouts depend on the provider, age and options such as survivor benefits or return of purchase price.
Can I withdraw the lump sum shown here?
The number is the arithmetic remainder after your selected annuity allocation. The applicable NPS exit category, corpus limits and rules must be checked separately before treating it as withdrawable money.
Does a zero current corpus ignore earlier contributions?
Yes. Current corpus is the opening balance. Enter your existing balance if you want it to grow alongside new monthly contributions.