Retirement · NPS
NPS Planner
Project NPS corpus from contributions, allocation, and returns. See contribution gap, exit/annuity illustration, and tax notes. Educational estimates, not a bank quote or financial advice.
Answer: am I on track for retirement, how much should I contribute, what corpus could I build, and what income might that support? All figures are estimates — not guarantees or tax advice.
Assumptions · 2026-08-01Your profile & assumptions
Step 1–4 · Edit freely — results update live
Display only — required corpus uses 25× income unless custom target
0 = use 25× income heuristic
Effective monthly contribution: ₹15,000 · Annual ≈ ₹1,80,000
Am I on track?
Gap of ₹6,60,71,933.93 — consider higher contributions
Goal corpus ₹9,65,67,090 · Projected ₹3,04,95,156.07
Goal progress
32%
Projected corpus
₹3,04,95,156.07
Required corpus
₹9,65,67,090
Your contributions
₹85,90,877.79
Est. investment gains
₹2,14,04,278.28
Income today (goal)
₹75,000/mo
Income at retirement (FV)
₹3,21,890.3/mo
Required start monthly (w/ step-up)
₹53,427.4
Extra monthly needed
₹38,427.4
Corpus growth
Year-by-year projection
Contributions vs gains
Your money + growth = projected corpus
Inflation-adjusted expenses
Inflation reduces purchasing power — compare today’s cost vs retirement
Today’s monthly expenses
₹50,000
At retirement (25 yrs · 6%)
₹2,14,593.54
Desired income at retirement
₹3,21,890.3
Same lifestyle can cost much more later. Align desired retirement income with inflated expenses.
What if I contribute more?
Actionable bumps — same return & step-up assumptions
| Change | Extra / mo | Projected corpus | Extra corpus |
|---|---|---|---|
| + ₹5,000 / mo | ₹5,000 | ₹3,90,92,139.01 | +₹85,96,982.94 |
| + 5% of current | ₹750 | ₹3,17,84,703.51 | +₹12,89,547.44 |
| + 10% of current | ₹1,500 | ₹3,30,74,250.95 | +₹25,79,094.88 |
| + 15% of current | ₹2,250 | ₹3,43,63,798.39 | +₹38,68,642.32 |
Exit & annuity illustration
Illustrative split — not a fixed legal rule. Verify current PFRDA exit framework.
e.g. 60%
illustrative p.a.
Corpus at exit
₹3,04,95,156.07
Illustrative lump sum
₹1,82,97,093.64
Annuity corpus
₹1,21,98,062.43
Est. monthly / annual annuity
₹60,990.31 / mo
₹7,31,883.72 / yr
Annuity income depends on product, provider, payout option, age, and prevailing rates — not guaranteed by this planner.
Asset allocation (E / C / G / A)
Step 5 · Educational presets — actual NPS limits depend on Active/Auto Choice rules
Blended illustrative return from this mix: 9.8% p.a.
No allocation is universally suitable. Confirm current PFRDA limits before investing.
Employer-sponsored NPS
Illustrative employee + employer contributions vs employee-only
Employer / yr
₹60,000
Employee / yr
₹1,50,000
Total / yr
₹2,10,000
≈ Monthly total
₹17,500
Projected corpus if only employee contributes: ₹2,61,96,664.6 · With employer: ₹3,47,93,647.54 (Δ ₹85,96,982.94)
Corpus scenarios
Projections only — not guarantees
| Scenario | Return | Inflation | Est. corpus | Income@ret. /mo |
|---|---|---|---|---|
| Conservative | 7% | 7% | ₹2,23,69,395.45 | ₹4,07,057.45 |
| Moderate (yours) | 9% | 6% | ₹3,04,95,156.07 | ₹3,21,890.3 |
| Optimistic | 11% | 5% | ₹4,24,77,284.03 | ₹2,53,976.62 |
Retirement age comparison
Same contributions · different exit ages
| Retire at | Years left | Total contrib. | Projected corpus | Req. start / mo |
|---|---|---|---|---|
| 55 | 20 | ₹59,51,871.74 | ₹1,73,76,843.72 | ₹72,176.47 |
| 60 | 25 | ₹85,90,877.79 | ₹3,04,95,156.07 | ₹53,427.4 |
| 65 | 30 | ₹1,19,58,992.55 | ₹5,19,42,817.76 | ₹41,006.06 |
Tax benefit planner (illustrative)
Editable example ceilings (not permanent law) · as-of 2026-08-01 · not tax advice
Editable assumption
Editable assumption
- Illustrative employee-side (within example ceiling ₹1,50,000): ₹1,50,000
- Additional slice (within example ceiling ₹50,000): ₹50,000
- Employer NPS may qualify under applicable sections (e.g. 80CCD(2)) subject to current rules and salary limits.
- Exit / annuity taxation depends on applicable law at withdrawal — verify for the relevant financial year.
Tax rules are subject to change. Verify applicable rules for the relevant financial year.
Active vs Auto · Tier I vs II · NPS vs others · FAQ
Active Choice vs Auto Choice
| Aspect | Active Choice | Auto Choice |
|---|---|---|
| Who controls | Subscriber sets E/C/G/A within rules | Lifecycle / age-based strategy |
| Equity exposure | User-defined (within limits) | Typically higher when young, lower later |
| Risk / rebalancing | Subscriber monitors & rebalances | Designed to auto-glide with age |
| Suitable profile | Hands-on allocation preference | Prefer lifecycle simplicity |
NPS rules and lifecycle options can change — verify official PFRDA / NPS sources.
Tier I vs Tier II
| Feature | Tier I | Tier II |
|---|---|---|
| Purpose | Retirement | Voluntary flexible account |
| Withdrawals | Restricted / exit framework | Generally more flexible |
| Tax | Subject to current rules | Depends on applicable rules |
| Planning role | Core retirement account | Supplemental flexibility |
NPS vs other options
| Aspect | NPS | EPF | PPF | MF SIP | FD |
|---|---|---|---|---|---|
| Flexibility | Regulated retirement | Employment-linked | Fixed long lock-in | High | Tenure-based |
| Returns | Market-linked | Declared / statutory style | Notified rate | Market-linked | Fixed rate |
| Liquidity | Limited (exit rules) | Limited | Partial after rules | Generally high | After tenure / penalty |
| Annuity | Often part of exit | Not typical | No | Optional SWP | No |
No product is universally superior — suitability depends on goals, horizon, and risk.
Are these returns guaranteed?
No. NPS is market-linked. All figures are projections from your assumptions.
What is the 25× rule here?
Required corpus ≈ 25 × annual desired retirement income (inflated). A simple planning heuristic, not a personalised advice model. Override with a custom target corpus if you prefer.
Where do exit percentages come from?
Lump-sum / annuity split is user-editable and illustrative. Confirm current PFRDA exit rules for your category.
How does contribution frequency work?
Enter the amount you invest each period; the planner converts it to an equivalent monthly stream for projection.
Is this personalised investment advice?
No. This is educational decision-support. Verify rules and tax with official sources and professionals.
Calculation assumptions in use
Age 35 → 60 (25 yrs) · Life exp. 85 · Corpus ₹5,00,000 · Effective monthly ₹15,000 · Step-up 5% · Return 9% · Inflation 6% · Required corpus ~25× annual desired income at retirement (heuristic; duration not used) · Required start monthly uses same step-up · Exit lump-sum 60% · Annuity rate 6%.
NPS returns are market-linked and are not guaranteed. Retirement corpus and income figures shown by this planner are estimates based on the assumptions entered by the user and should not be considered guaranteed outcomes. NPS rules, taxation, withdrawal conditions, asset-allocation limits, and annuity provisions may change. Verify current rules and applicable tax provisions with official sources before making investment decisions.
Common questions
Is the annuity rate guaranteed?
No. Annuity rates are set by the chosen annuity provider at exit. This planner uses educational assumptions so you can see order-of-magnitude income.
Is this financial advice?
No. FinanceControl tools are educational. Figures are estimates, not a quote, offer, or recommendation. Confirm with the provider and a qualified professional.