How to use the NPS Calculator in a few steps
The NPS Calculator is designed so a typical projection takes under a minute. Follow these steps.
Step 1: Enter your basic salary
Type your monthly basic salary plus D.A., on which the standard 10% NPS contribution is calculated for both you and your employer.
Step 2: Set the return and retirement age
Enter the expected annual return based on your equity and debt allocation, and the age at which you plan to retire. Higher equity exposure generally supports a higher assumed return.
Step 3: Read your corpus and annuity estimate
The result shows your projected NPS corpus, the portion that must buy a mandatory annuity at maturity, and an estimated monthly pension. The 10%+10% contribution is applied automatically.
The projection updates live as you change any input, so you can compare allocation choices or earlier retirement ages in seconds.
Understanding your NPS result
- Your 10% employee contribution and 10% employer contribution both build the corpus
- Contributions qualify for Section 80CCD(1B) of up to 50,000 in extra deduction
- A portion of the final corpus is used to buy a mandatory annuity for a monthly pension
What you need to get started
Only your basic salary plus D.A. and an approximate retirement age. Everything runs in your browser — nothing to install and no account to create.
Verdict
With the NPS Calculator you can turn a monthly contribution into a realistic pension corpus and annuity estimate in seconds — free and private.