Project your National Pension System (NPS) corpus, the mandatory annuity purchase and your monthly pension - locally in your browser, no upload.
No. Everything runs in your browser - your file never leaves your device. How this is verifiable
The National Pension System (NPS) is India's government-regulated, market-linked retirement savings scheme: you contribute regularly to a Tier-I account, which is invested until retirement. At retirement, PFRDA rules require that at least 40 percent of the accumulated corpus be used to purchase an annuity from an empanelled Annuity Service Provider; the rest can be withdrawn as a lump sum - since Budget 2021, this lump-sum withdrawal is tax-exempt up to that limit.
The calculation runs entirely locally in your browser, with no upload. Enter your current age, planned retirement age, monthly contribution, the expected return during the accumulation phase, the share used for the annuity purchase (at least 40 percent) and an assumed annuity rate. The calculator projects the accumulated corpus over the remaining years with monthly compounding, splits it into a lump sum and an annuity-purchase amount, and estimates the resulting monthly pension.
An honest note: NPS is market-linked - actual returns depend on the chosen Pension Fund Manager and asset allocation and are not guaranteed. The estimated monthly pension is a simplified approximation (the assumed annuity rate divided by twelve) and not a quote from an Annuity Service Provider - the actual pension depends on the annuity plan chosen (e.g. single or joint life, with or without return of purchase price). Not financial advice.
| Input formats | Form inputs (no file) |
|---|---|
| Processing | Locally in your browser (JavaScript) |
| File upload | None |
Limitations: A model-based projection of the NPS corpus (monthly contributions, compounded monthly over the years to retirement) and its split into a lump sum and an annuity-purchase amount per PFRDA's 40 percent minimum. The estimated monthly pension is a simplified approximation, not a quote from an Annuity Service Provider. Actual returns are market-linked and not guaranteed. Not financial advice.
At least 40 percent must be used to purchase an annuity under PFRDA rules; you can choose to annuitise a higher share too.
Since Budget 2021, the lump-sum withdrawal is tax-exempt up to the permitted limit (up to 60 percent of the corpus) - check the current rules before withdrawing.
No. NPS is market-linked - actual returns depend on the chosen Pension Fund Manager and asset allocation.
No. The calculation runs entirely locally in your browser; nothing is sent or stored.
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