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NPS Corpus Calculator

Calculate your NPS retirement corpus with Tier I & II breakdown, monthly pension from annuity, and combined couple planning.

Return Assumptions

75%
075
12% p.a.
618
7% p.a.
412
6% p.a.
49
Blended Return10.75% p.a.

Partner A

30 yrs
1855
60 yrs (30 yrs left)
4570
₹10,000
500100000
75% Tier I · 25% Tier II
0100

Partner B

28 yrs
1855
60 yrs (32 yrs left)
4570
₹8,000
500100000
75% Tier I · 25% Tier II
0100

Combined Tier I

₹4.02 Cr

at retirement

Combined Tier II

₹1.34 Cr

withdrawable

Monthly Pension

₹1.21 L

combined annuity

Lump Sum Payout

₹1.61 Cr

40% of Tier I

Combined Retirement Snapshot

Total Monthly Contribution₹18,000
Combined Tier I Corpus₹4.02 Cr
Combined Tier II Corpus₹1.34 Cr
Total Retirement Wealth₹5.36 Cr
Annuity Corpus (60% of Tier I)₹2.41 Cr
Combined Monthly Pension₹1.21 L
Combined Lump Sum (40% Tier I)₹1.61 Cr

NPS Rules Summary

  • Tier I: Lock-in till retirement. Minimum 60% must be used for annuity at exit.
  • Tier II: No lock-in. Fully withdrawable anytime (no tax benefit).
  • Tax benefit: Up to ₹1.5L under 80C + ₹50K extra under 80CCD(1B) for Tier I.
  • Annuity rate depends on the annuity service provider chosen at retirement.

Save for retirement, together

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