Project your National Pension System (NPS) corpus at retirement. Estimate your maturity amount, tax-free lump sum, monthly pension, total contributions, and returns — with a year-wise growth projection, charts, and CSV export.
Last updated
Jul 2026
Reviewed by
EasyTechLabs Finance Team
Calculation method
Documented in “How this is calculated” below
Official sources
PFRDA, National Pension System Trust, Income Tax Department, Ministry of Finance
Formula
Corpus = P × [((1+i)^m − 1) ÷ i] × (1+i) · Pension = annuity corpus × annuity rate ÷ 12 · Lump sum ≤ 60%, annuity ≥ 40%
Calculation method
Projects the NPS corpus as the future value of monthly contributions (annuity due, compounded monthly at the expected return) from the current age to retirement. At retirement, up to 60% may be taken as a tax-free lump sum and at least 40% buys an annuity; the monthly pension is the annuity corpus times the annuity rate divided by 12.
Assumptions
Limitations
Official sources & references