NPS Calculator not working? Here's how to fix it
Most issues with the NPS Calculator are small and fixable in seconds. Work through these in order.
1. The tool won't load
Reload the page, or open it in a fresh tab. If an extension blocks scripts, try private (incognito) mode — the calculator needs JavaScript, which is on by default in every modern browser.
2. The corpus looks unrealistic
The result depends heavily on the assumed return. If the corpus seems too high, you are entering an optimistic return. Drop the expected return to a more realistic range, around 9-10% for a balanced NPS portfolio, and redo the calculation.
3. The corpus looks too small
Check what you entered as the basis. NPS contribution is calculated on monthly basic salary plus D.A., not your full CTC. If you entered a low figure other than your basic, the projection will be understated. Reconfirm the basis.
4. The pension looks low
Remember a portion of the corpus must buy a mandatory annuity at maturity, and that annuity typically yields a modest monthly pension. The tool reflects this, so the lump-sum available and the pension are two different figures.
5. The result does not match my PRAN statement
Your NPS statement records actual contributions and fund NAV-driven returns that vary year to year. The calculator projects a smooth average return. Employer contribution timing, scheme choices, and the equity-debt ratio all cause differences. Treat the projection as an estimate.
Verdict
Nine out of ten issues with the NPS Calculator are solved by entering basic salary plus D.A., using a realistic return, and remembering the mandatory annuity purchase.