NPS Calculator (Pension, Corpus and Lump sum payout)

Here is the most practicle and realistic NPS calculator which provide approximiate NPS return vaule in terms of NPS corpus, Lum sum amount and Pension value calculation each month. Salary increase, pension amount increasing each month is also considered. At the end It also provides pension details if UPS option is taken. Please fill below and click on Calculate Now.

Enter current monthly NPS Tier-1 deposit (total): (10%+14% of your basic pay+DA)

Enter NUMBER of years of service remaining: assuming retiring on 60 year age

Enter current total NPS amount in Tier-1:

Expected Yearly Growth in NPS monthly deposit amount: 01234567891011121314151617181920 %

Expected Annual NPS Return 67891011121314151617181920 %

Percentage of NPS lump sum corpus withdrawl at age of 60 year 0102030405060 % (select 0% if No lump sum withdrawal required)

For :
Current monthly NPS Tier-1 total deposit = ₹ 40,000
Number of Years of service remaining: = 20
Current total NPS amount in Tier-1: = ₹ 15,00,000

NPS Option:

Final NPS (tier-1) balance (corpus amount) after 20 years (Year 2045 ) will be = ₹ 4,29,53,498 (equivalent to today's ₹ 1,61,88,721 worth)

Lump sum amount (Tax-Free) to be withdrawn on retirement year (Year 2045) from NPS ( 60 %) = ₹ 2,57,72,099 (equivalent to today's ₹ 97,13,233 worth)

Note- select 0% in drop down above if No lump sum withdrawal required.

After withdrawl of lump sum amount, remaining amount in NPS tier-1 on retirement in NPS (for annuity) = ₹ 1,71,81,399

Below is the approx pension (After withdrawal of 60 % of NPS corpus) can be obtained if remaining NPS tier -1 amount will be used to recieve monthly pension for next 30 year after retirement (till 90 year age, if retire at 60 year of age) with assuming NPS annual rate of return 7 % per year (as per selection above) and DESIRING 3% annual increase in pension.

Year 1 ( Year 2045) : monthly pension = ₹ 84,082 ( equivalent to ₹ 31,690 in Year 2025)

Year 2 ( Year 2046) : monthly pension = ₹ 86,604 ( equivalent to ₹ 31,086 in Year 2025)

Year 3 ( Year 2047) : monthly pension = ₹ 89,202 ( equivalent to ₹ 30,494 in Year 2025)

Year 4 ( Year 2048) : monthly pension = ₹ 91,879 ( equivalent to ₹ 29,913 in Year 2025)

Year 5 ( Year 2049) : monthly pension = ₹ 94,635 ( equivalent to ₹ 29,343 in Year 2025)

Year 6 ( Year 2050) : monthly pension = ₹ 97,474 ( equivalent to ₹ 28,784 in Year 2025)

Year 7 ( Year 2051) : monthly pension = ₹ 1,00,398 ( equivalent to ₹ 28,236 in Year 2025)

Year 8 ( Year 2052) : monthly pension = ₹ 1,03,410 ( equivalent to ₹ 27,698 in Year 2025)

Year 9 ( Year 2053) : monthly pension = ₹ 1,06,512 ( equivalent to ₹ 27,171 in Year 2025)

Year 10 ( Year 2054) : monthly pension = ₹ 1,09,708 ( equivalent to ₹ 26,653 in Year 2025)

Year 11 ( Year 2055) : monthly pension = ₹ 1,12,999 ( equivalent to ₹ 26,145 in Year 2025)

Year 12 ( Year 2056) : monthly pension = ₹ 1,16,389 ( equivalent to ₹ 25,647 in Year 2025)

Year 13 ( Year 2057) : monthly pension = ₹ 1,19,881 ( equivalent to ₹ 25,159 in Year 2025)

Year 14 ( Year 2058) : monthly pension = ₹ 1,23,477 ( equivalent to ₹ 24,680 in Year 2025)

Year 15 ( Year 2059) : monthly pension = ₹ 1,27,181 ( equivalent to ₹ 24,210 in Year 2025)

Year 16 ( Year 2060) : monthly pension = ₹ 1,30,997 ( equivalent to ₹ 23,748 in Year 2025)

Year 17 ( Year 2061) : monthly pension = ₹ 1,34,927 ( equivalent to ₹ 23,296 in Year 2025)

Year 18 ( Year 2062) : monthly pension = ₹ 1,38,975 ( equivalent to ₹ 22,852 in Year 2025)

Year 19 ( Year 2063) : monthly pension = ₹ 1,43,144 ( equivalent to ₹ 22,417 in Year 2025)

Year 20 ( Year 2064) : monthly pension = ₹ 1,47,438 ( equivalent to ₹ 21,990 in Year 2025)

Year 21 ( Year 2065) : monthly pension = ₹ 1,51,861 ( equivalent to ₹ 21,571 in Year 2025)

Year 22 ( Year 2066) : monthly pension = ₹ 1,56,417 ( equivalent to ₹ 21,160 in Year 2025)

Year 23 ( Year 2067) : monthly pension = ₹ 1,61,110 ( equivalent to ₹ 20,757 in Year 2025)

Year 24 ( Year 2068) : monthly pension = ₹ 1,65,943 ( equivalent to ₹ 20,362 in Year 2025)

Year 25 ( Year 2069) : monthly pension = ₹ 1,70,921 ( equivalent to ₹ 19,974 in Year 2025)

Year 26 ( Year 2070) : monthly pension = ₹ 1,76,049 ( equivalent to ₹ 19,594 in Year 2025)

Year 27 ( Year 2071) : monthly pension = ₹ 1,81,330 ( equivalent to ₹ 19,220 in Year 2025)

Year 28 ( Year 2072) : monthly pension = ₹ 1,86,770 ( equivalent to ₹ 18,854 in Year 2025)

Year 29 ( Year 2073) : monthly pension = ₹ 1,92,373 ( equivalent to ₹ 18,495 in Year 2025)

Year 30 ( Year 2074) : monthly pension = ₹ 1,98,144 ( equivalent to ₹ 18,143 in Year 2025)

If Pension is required only for 20 year by NPS amount with assuming NPS annual rate of return 7 % per year (as per selection above) and DESIRING 3% annual increase in pension

The approx Monthly Pension (growing each year) will be as below:

Year 1 ( Year 2045) : monthly pension = ₹ 1,07,397 ( equivalent to ₹ 40,477 in Year 2025)

Year 2 ( Year 2046) : monthly pension = ₹ 1,10,619 ( equivalent to ₹ 39,706 in Year 2025)

Year 3 ( Year 2047) : monthly pension = ₹ 1,13,938 ( equivalent to ₹ 38,950 in Year 2025)

Year 4 ( Year 2048) : monthly pension = ₹ 1,17,356 ( equivalent to ₹ 38,208 in Year 2025)

Year 5 ( Year 2049) : monthly pension = ₹ 1,20,876 ( equivalent to ₹ 37,480 in Year 2025)

Year 6 ( Year 2050) : monthly pension = ₹ 1,24,503 ( equivalent to ₹ 36,766 in Year 2025)

Year 7 ( Year 2051) : monthly pension = ₹ 1,28,238 ( equivalent to ₹ 36,066 in Year 2025)

Year 8 ( Year 2052) : monthly pension = ₹ 1,32,085 ( equivalent to ₹ 35,379 in Year 2025)

Year 9 ( Year 2053) : monthly pension = ₹ 1,36,048 ( equivalent to ₹ 34,705 in Year 2025)

Year 10 ( Year 2054) : monthly pension = ₹ 1,40,129 ( equivalent to ₹ 34,044 in Year 2025)

Year 11 ( Year 2055) : monthly pension = ₹ 1,44,333 ( equivalent to ₹ 33,395 in Year 2025)

Year 12 ( Year 2056) : monthly pension = ₹ 1,48,663 ( equivalent to ₹ 32,759 in Year 2025)

Year 13 ( Year 2057) : monthly pension = ₹ 1,53,123 ( equivalent to ₹ 32,135 in Year 2025)

Year 14 ( Year 2058) : monthly pension = ₹ 1,57,716 ( equivalent to ₹ 31,523 in Year 2025)

Year 15 ( Year 2059) : monthly pension = ₹ 1,62,448 ( equivalent to ₹ 30,923 in Year 2025)

Year 16 ( Year 2060) : monthly pension = ₹ 1,67,321 ( equivalent to ₹ 30,334 in Year 2025)

Year 17 ( Year 2061) : monthly pension = ₹ 1,72,341 ( equivalent to ₹ 29,756 in Year 2025)

Year 18 ( Year 2062) : monthly pension = ₹ 1,77,511 ( equivalent to ₹ 29,189 in Year 2025)

Year 19 ( Year 2063) : monthly pension = ₹ 1,82,837 ( equivalent to ₹ 28,633 in Year 2025)

Year 20 ( Year 2064) : monthly pension = ₹ 1,88,322 ( equivalent to ₹ 28,088 in Year 2025)

If Pension is required only for 30 year by NPS amount with assuming NPS annual rate of return 7 % per year (as per selection above) and FIXED PENSION Amount each month

Year 1 ( Year 2045) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 43,486 in Year 2025)

Year 2 ( Year 2046) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 41,415 in Year 2025)

Year 3 ( Year 2047) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 39,443 in Year 2025)

Year 4 ( Year 2048) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 37,565 in Year 2025)

Year 5 ( Year 2049) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 35,776 in Year 2025)

Year 6 ( Year 2050) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 34,073 in Year 2025)

Year 7 ( Year 2051) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 32,450 in Year 2025)

Year 8 ( Year 2052) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 30,905 in Year 2025)

Year 9 ( Year 2053) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 29,433 in Year 2025)

Year 10 ( Year 2054) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 28,032 in Year 2025)

Year 11 ( Year 2055) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 26,697 in Year 2025)

Year 12 ( Year 2056) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 25,426 in Year 2025)

Year 13 ( Year 2057) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 24,215 in Year 2025)

Year 14 ( Year 2058) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 23,062 in Year 2025)

Year 15 ( Year 2059) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 21,964 in Year 2025)

Year 16 ( Year 2060) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 20,918 in Year 2025)

Year 17 ( Year 2061) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 19,922 in Year 2025)

Year 18 ( Year 2062) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 18,973 in Year 2025)

Year 19 ( Year 2063) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 18,069 in Year 2025)

Year 20 ( Year 2064) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 17,209 in Year 2025)

Year 21 ( Year 2065) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 16,390 in Year 2025)

Year 22 ( Year 2066) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 15,609 in Year 2025)

Year 23 ( Year 2067) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 14,866 in Year 2025)

Year 24 ( Year 2068) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 14,158 in Year 2025)

Year 25 ( Year 2069) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 13,484 in Year 2025)

Year 26 ( Year 2070) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 12,842 in Year 2025)

Year 27 ( Year 2071) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 12,230 in Year 2025)

Year 28 ( Year 2072) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 11,648 in Year 2025)

Year 29 ( Year 2073) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 11,093 in Year 2025)

Year 30 ( Year 2074) : monthly pension = ₹ 1,15,382 ( equivalent to ₹ 10,565 in Year 2025)

If Pension is required only for 20 year by NPS amount with assuming NPS annual rate of return 7 % per year (as per selection above) and FIXED PENSION Amount each month

The approx Monthly Pension (growing each year) will be as below:

Year 1 ( Year 2045) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 50,937 in Year 2025)

Year 2 ( Year 2046) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 48,511 in Year 2025)

Year 3 ( Year 2047) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 46,201 in Year 2025)

Year 4 ( Year 2048) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 44,001 in Year 2025)

Year 5 ( Year 2049) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 41,906 in Year 2025)

Year 6 ( Year 2050) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 39,910 in Year 2025)

Year 7 ( Year 2051) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 38,010 in Year 2025)

Year 8 ( Year 2052) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 36,200 in Year 2025)

Year 9 ( Year 2053) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 34,476 in Year 2025)

Year 10 ( Year 2054) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 32,834 in Year 2025)

Year 11 ( Year 2055) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 31,271 in Year 2025)

Year 12 ( Year 2056) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 29,782 in Year 2025)

Year 13 ( Year 2057) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 28,363 in Year 2025)

Year 14 ( Year 2058) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 27,013 in Year 2025)

Year 15 ( Year 2059) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 25,726 in Year 2025)

Year 16 ( Year 2060) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 24,501 in Year 2025)

Year 17 ( Year 2061) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 23,335 in Year 2025)

Year 18 ( Year 2062) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 22,223 in Year 2025)

Year 19 ( Year 2063) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 21,165 in Year 2025)

Year 20 ( Year 2064) : monthly pension = ₹ 1,35,150 ( equivalent to ₹ 20,157 in Year 2025)

Monthly salary expected before retirement after 20 years (Year 2045 ) = ₹ 4,29,965 per month

UPS Option (for more than 25 year of service):

Under UPS, Monthly Pension expected on retirement (Year 2045 ) = ₹ 2,14,982 per month (50% of above) ( equivalent to ₹ 81,024 in Year 2025)

After that it will grow at 3% each year (if inflation will be 3%).

New lump sum under UPS (in addition to Gratuity ) can be calculated by multiplying number of year of service by 0.2 , and multiply the result with last month salary.

For 30 year of service, Lump sum amount on retirement (Year 2045 ) = ₹ 25,79,790 ( equivalent to ₹ 9,72,296 in Year 2025)

Assumption here taken is yearly increase in salary = 7 % (as per selection above) include all i.e. promotion, increment, pay revision, DA merger with Base Salary etc) and depreciation of 5 % is considered for decrease in worth of money with time

On Pension provider websites, pension value may come slight different because mostly they take input as fixed monthly deposit in pension accout ( it normally increses with salary increase, select 0% above to mimic that). Mostly they pay fixed Pesion amount and also they have to take margin from pension payout.

If any Pension provider is not giving return as above, you may simply deposit the amount in FD or mutual fund that can give return as per selection and you withdraw the money yourself monthly as per above calculation.

The above calculation is only for rough estimation. Actual pension may differ to any extent. If you find any error in calculation or want to suggest any thing, please email at admin@upspension.in.