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NPS Calculator
Your NPS corpus at 60, plus the pension from the annuity.

Your NPS Plan

Drag the sliders — results update instantly.

Monthly ContributionHow much you put in each month
₹500₹2,00,000
Expected ReturnYour assumption — not a DhanRadar prediction
1%15%
Current AgeYour age today
1855
Retirement AgeWhen you exit NPS
6070
Annuity ShareAt least 40% must buy a pension
40%100%
Annuity RateThe pension rate you assume
3%10%
Corpus at 60
₹2,27,93,253
From ₹10K/month over 30 years
Monthly Pension
₹45,587
40% annuity at 6%
Tax-free Lump
₹1,36,75,952
60% taken at 60
You Invest
₹36,00,000
Total contributions
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How NPS Pays Out

At 60 your corpus is about ₹2,27,93,253. You can take ₹1,36,75,952 tax-free and use the rest to buy a pension of roughly ₹45,587/month — higher contributions or a longer horizon raise both.

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AI Insights

DhanRadar AI

Investing ₹10K/month for 30 years builds about ₹2.28Cr at your assumed 10% return.

A bigger annuity share raises the pension but lowers the tax-free lump — the split is your choice (40% minimum to annuity).

For education only — not investment advice. NPS returns are market-linked; the return and annuity rate here are your own assumptions, not guarantees.

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Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.