ArthaSiddhi
NPS Retirement Corpus Calculator
See how your NPS contributions could build a retirement corpus and how that corpus may be split between lump sum and annuity.
Inputs and assumptions
The configured All Citizen Model normal-exit minimum is 20%, subject to the rules applicable at exit.
Used only to estimate annuity income; it is not a guaranteed rate.
Projected retirement corpus and allocation
Values are rounded only when shown on this page.
Years until retirement
30
Starting corpus
₹0.00
Total contributions
₹98,69,641.36
Estimated investment growth
₹2,22,28,981.35
Estimated retirement corpus
₹3,20,98,622.71
Lump-sum allocation
₹1,92,59,173.63
Annuity allocation
₹1,28,39,449.08
Assumed annuity rate
6%
Estimated monthly annuity
₹64,197.25
The projected corpus of ₹3,20,98,622.71 is split into ₹1,92,59,173.63 as lump sum and ₹1,28,39,449.08 for annuity. At the annuity rate entered, the illustrative monthly annuity is ₹64,197.25—not a guaranteed pension.
Rules & assumptions
- Rule period
- PFRDA Exits and Withdrawals Regulations, 2015, last amended 20 July 2026
- Last verified
- 2026-08-22
Official sources
- NPS All Citizen ModelPension Fund Regulatory and Development Authority
- PFRDA Exits and Withdrawals Regulations, 2015, last amended 20 July 2026Pension Fund Regulatory and Development Authority
- All Citizen Model exits and withdrawals FAQ, updated March 2026Pension Fund Regulatory and Development Authority
Based on the cited official material; verify current rules before making an actual decision.
How the corpus and exit split are estimated
The projection adds each beginning-of-month contribution before applying the monthly-equivalent assumed investment return. Contributions increase only after each completed 12-month block. The retirement corpus is then split using the entered annuity allocation.
Important limitations
- The exit split is based on the cited current PFRDA All Citizen Model normal-exit illustration of up to 80% lump sum and at least 20% annuity.
- Actual exit options depend on subscriber category, corpus, vesting period, and the rules applicable at exit.
- NPS is market-linked; investment returns are not guaranteed.
- Small-corpus or full-withdrawal exceptions may exist; this calculator does not decide whether an exception applies.
- The monthly annuity is only an estimate from the entered rate. Tax treatment and legal exit eligibility are outside scope.
Read the Financial Disclaimer.
Guides for this calculator
Main guide
NPS Explained: Contributions, Retirement Corpus and Annuity
How NPS contributions build a projected retirement corpus, how the calculator allocates lump sum and annuity, and where current rules and assumptions matter.
Related guide
How the NPS Calculator Builds Your Retirement Corpus
How current corpus, beginning-of-month contributions, monthly compounding and annual contribution increases produce the projected NPS corpus.
Related guide
NPS Lump Sum and Annuity: How the Calculator Splits the Corpus
How the calculator allocates a projected NPS corpus, estimates annuity income, and differs from category- and corpus-dependent exit rules.