NPS Pension Estimator
Enter your current Basic Pay, years remaining until retirement, and an expected annual return rate to project your National Pension System corpus at retirement. The estimator compounds your monthly contributions — 10% of Basic + DA from you, 14% from the government — and applies the PFRDA December-2025 govt-employee exit-slab amendment: a 60% tax-free lump sum withdrawal and a 40% annuity-funded monthly pension for corpus above ₹12 lakh. Figures are illustrative estimates for retirement planning, not a guarantee of actual returns.
NPS Pension Estimator
Project your NPS corpus, lump sum, and monthly pension at retirement — PFRDA rules (govt. employee track)
Usually 60 for Central Govt employees
Used to compute monthly NPS contribution; assumed constant for this projection
Your current accumulated balance, if you already have a PRAN — check your statement
NPS Projection Summary
Projected Corpus at Retirement
0
Total contributed (principal)
₹0
Investment growth
₹0
Exit Split — Full lump sum (corpus ≤ ₹8L)
₹0
0% of corpus
₹0
0% of corpus
Estimated Monthly Pension
0/ month
From annuitized amount, illustrative annuity rate. Actual pension depends on the Annuity Service Provider and plan chosen (single life / joint life / with return of purchase price) at the time of purchase.
Indicative estimate only — not financial advice. Corpus projection assumes a constant contribution rate and a flat expected annual return; actual NPS returns vary by Pension Fund Manager and market performance. Exit split modeled for GOVERNMENT EMPLOYEES on normal superannuation per the PFRDA exit rules as amended December 2025 (60% lump sum / minimum 40% annuity above ₹12 lakh corpus, with relaxed slabs below that) — this is unchanged from the older 60:40 rule and is NOT the more flexible 80:20 option PFRDA introduced only for non-government subscribers. Annuity rate used here is a ballpark, not an insurer quote — get an actual quote from an Annuity Service Provider closer to retirement. Consult your DDO/PRAN records for your actual accumulated balance.