Calculators

NPS Calculator

NPS Calculator is part of Toolspire and is ready as soon as this page loads. The split is the simplified exit illustration used in many NPS explanations. It is not a tax calculation and not your PRAN statement.

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Monthly contributionExpected annual return %Years

Result

92,22,370

Illustrative exit: lump sum 55,33,422 (60%), annuity purchase 36,88,948 (40%). Deposited 18,00,000.

Not tax or pension advice. Annuity rules and the tax treatment of the lump sum can change.

On this page

What you can do here

Corpus first, pension not invented

The page stops at the amount that would buy an annuity. It does not guess the annuity rate.

A fixed 60/40 illustration

Exit rules and thresholds change. Treat 40% as a labelled assumption, written in the detail.

One return for the whole term

Equity, corporate bond and government schemes are not modelled separately. You type one blended rate.

The sequence

How to use the NPS Calculator

1
Add employer money into the monthly box
If your employer puts in ₹2,000 and you put in ₹3,000, type ₹5,000.
2
Use a blended return
A 75% equity allocation will not earn the same as a government-bond allocation. Type the mix you actually hold.
3
Read the 60/40 line as a sketch
The lump sum is not cash in hand after tax. Check the current NPS exit rules before you plan spending.

Worth knowing

NPS Calculator on Toolspire: the corpus is a monthly contribution compounded every month, the same shape as a flat SIP.
The detail splits that corpus 60% lump sum and 40% annuity purchase. No annuity rate is assumed, so there is no pension figure.
At 0%, the corpus equals contribution × months, and the split is exact.
Employer contribution is included only if you add it into the monthly amount.

What the number is actually counting

Each month the contribution is added and the balance grows by annual return ÷ 12. At the end, 40% of the corpus is labelled as the annuity purchase and 60% as the lump sum. That split is a teaching assumption. It skips tax, the Tier II account, and the rule changes that depend on corpus size.

FAQ

Questions about NPS Calculator

Where does NPS Calculator run?

NPS Calculator runs in this tab on Toolspire. What you type or drop in is not sent to us and is not stored on a server.

Is the NPS return guaranteed?

No. You type the return. The schemes are market-linked. A lower rate is the useful second run.

Why is there no monthly pension?

A pension needs an annuity rate from an insurer. This page only shows how much of the corpus would be used to buy one.

Does 40% always have to buy an annuity?

The exit rule depends on the corpus and the regulations in force. The 40% line is labelled illustrative for that reason.

How is this different from the retirement corpus page?

That page is a generic SIP. This one adds the 60/40 exit labels people search for with NPS.

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Last updated 23 October 2026Report a problem or suggest a feature