📈 NPS Calculator with Current Balance – Project Your Pension Smartly

Already investing in the National Pension System (NPS)? Use this smart calculator to estimate your retirement corpus and monthly pension based on your existing NPS balance and future contributions.

Unlike basic tools that assume you’re starting from scratch, this calculator factors in your current corpus and helps you plan your pension with real-world accuracy. Simple, visual, and completely free.

📊 Calculate Your NPS Corpus & Monthly Pension

📈 Your NPS Retirement Estimate

Total NPS Corpus at Retirement

₹0

Lump Sum Withdrawable (60%)

₹0

Annuity Purchase (40%)

₹0

Estimated Monthly Pension

₹0

📘 How This NPS Calculator Works

This calculator helps you estimate your National Pension System (NPS) retirement corpus and monthly pension by factoring in your current NPS balance, monthly contributions, expected return, and your retirement age.

  • Current NPS Balance: The amount you’ve already accumulated in your NPS account.
  • Monthly Contribution: How much more you’ll invest monthly till retirement.
  • Expected Return: The annual growth rate assumed on your NPS investment.
  • Annuity Purchase: At retirement, you’re required to use at least 40% of your corpus to buy an annuity (a pension product).
  • Lump Sum Withdrawal: You can withdraw up to 60% tax-free from your corpus at retirement.
  • Monthly Pension: The annuity portion will generate a pension based on the annuity rate you provide (e.g. 6.5%).

📌 Note: This calculator provides estimates for planning purposes only. Actual returns and pension amounts may vary based on market performance and the annuity plan you choose.

📋 Frequently Asked Questions

Is NPS pension guaranteed?
No, NPS pension is not guaranteed. The pension amount depends on the annuity provider and the annuity rate available at the time of retirement.
How is annuity calculated?
An annuity is calculated based on the annuity corpus (usually 40% of your NPS corpus) and the annuity rate (e.g., 6.5%). It gives you a fixed monthly pension for life.
Can I withdraw before 60?
Partial withdrawal is allowed after 3 years for specific reasons like medical emergency, education, or marriage. Full exit before 60 requires buying annuity with 80% of the corpus.
How accurate is this estimate?
This calculator provides an estimate based on your inputs and assumptions. Actual pension may vary due to changes in returns, annuity rates, and market conditions.

This free NPS calculator with current balance is ideal for anyone who’s already investing in the National Pension System and wants a clear picture of future corpus and pension value. By factoring in your existing NPS savings and upcoming contributions, this tool helps you plan smarter for retirement.

Explore more tools: Home Loan Eligibility Estimator, SIP Goal Planner, FD Monthly Payout Calculator.

Subscribe
Subscribe