ArthaSiddhi
NPS Retirement Corpus Calculator
Estimate NPS accumulation and a normal-exit corpus split.
Inputs and assumptions
Update any value to recalculate instantly.
The default is a conservative illustration; 20% is the configured All Citizen Model normal-exit minimum, subject to applicable rules.
An entered illustration, not a guaranteed pension rate.
Estimated result
Full-precision engine values are formatted only for display.
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
Rules & assumptions
- Rule period
- Rules verified 16 August 2026
- Last verified
- 2026-08-16
Official sources
- NPS All Citizen ModelPension Fund Regulatory and Development Authority
- Current NPS Exits and Withdrawals RegulationsPension Fund Regulatory and Development Authority
- All Citizen Model exits and withdrawals FAQPension Fund Regulatory and Development Authority
Based on the cited official material; verify current rules before making an actual decision.
How this is calculated
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 and annuity rates 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.
Review the Financial Disclaimer before using an estimate for an important decision.