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Finance
Project the retirement corpus built by monthly National Pension System (NPS) contributions under an assumed market-linked return — accumulation phase only.
NPS credits growth monthly on the accumulating balance: balance_next = balance × (1 + monthly rate) + monthly contribution. NPS returns are market-linked — your money is invested across equity, corporate bonds, and government securities in a mix you choose — so there is no fixed, guaranteed rate. The default 10% is an illustrative long-term assumption based on typical historical blended returns, not a promised or guaranteed figure; actual returns will vary year to year and can be lower. Critically, this calculator models only the accumulation phase — the years you contribute and the balance compounds. It does not model what happens at retirement: Indian NPS rules require at least 40% of the final corpus to be used to purchase an annuity that pays you a regular pension, while the remaining portion (up to 60%) can be withdrawn as a lump sum. The number shown here is the total corpus at retirement before that mandatory annuitization split, not the lump sum you would actually receive in hand or the pension it would generate.
No. NPS returns depend on the market performance of the equity, corporate bond, and government security funds you're invested in. 10% is an illustrative long-term assumption, not a promised rate — your actual corpus could be higher or lower.
No. This calculator projects the total corpus at the end of the accumulation phase only. Indian NPS rules require at least 40% of that corpus to be used to buy an annuity providing a regular pension; the calculator does not model the annuity purchase or the resulting pension payout, so the figure shown is not your take-home lump sum.
Yes, in practice NPS contributions can vary year to year. This calculator assumes a constant monthly contribution for the entire tenure to keep the projection simple.