Calculators / Fixed income
NPS calculator
Defaults come from the India rule pack india-2026-27.v1. Change any of them.
₹
₹5,000
%
%
Assumptions
%
Corpus at retirement
₹1.14 Cr
- Lumpsum withdrawal
- ₹68,37,976
- Monthly pension
- ₹22,793
Year by year
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹63,351 | ₹3,351 |
| 2 | ₹1.2 L | ₹1.33 L | ₹13,337 |
| 3 | ₹1.8 L | ₹2.11 L | ₹30,650 |
| 4 | ₹2.4 L | ₹2.96 L | ₹56,059 |
| 5 | ₹3 L | ₹3.9 L | ₹90,412 |
| 6 | ₹3.6 L | ₹4.95 L | ₹1.35 L |
| 7 | ₹4.2 L | ₹6.1 L | ₹1.9 L |
| 8 | ₹4.8 L | ₹7.37 L | ₹2.57 L |
| 9 | ₹5.4 L | ₹8.78 L | ₹3.38 L |
| 10 | ₹6 L | ₹10.33 L | ₹4.33 L |
| 11 | ₹6.6 L | ₹12.04 L | ₹5.44 L |
| 12 | ₹7.2 L | ₹13.94 L | ₹6.74 L |
| 13 | ₹7.8 L | ₹16.03 L | ₹8.23 L |
| 14 | ₹8.4 L | ₹18.34 L | ₹9.94 L |
| 15 | ₹9 L | ₹20.9 L | ₹11.9 L |
| 16 | ₹9.6 L | ₹23.72 L | ₹14.12 L |
| 17 | ₹10.2 L | ₹26.83 L | ₹16.63 L |
| 18 | ₹10.8 L | ₹30.28 L | ₹19.48 L |
| 19 | ₹11.4 L | ₹34.08 L | ₹22.68 L |
| 20 | ₹12 L | ₹38.28 L | ₹26.28 L |
| 21 | ₹12.6 L | ₹42.93 L | ₹30.33 L |
| 22 | ₹13.2 L | ₹48.06 L | ₹34.86 L |
| 23 | ₹13.8 L | ₹53.72 L | ₹39.92 L |
| 24 | ₹14.4 L | ₹59.98 L | ₹45.58 L |
| 25 | ₹15 L | ₹66.89 L | ₹51.89 L |
| 26 | ₹15.6 L | ₹74.53 L | ₹58.93 L |
| 27 | ₹16.2 L | ₹82.97 L | ₹66.77 L |
| 28 | ₹16.8 L | ₹92.29 L | ₹75.49 L |
| 29 | ₹17.4 L | ₹1.03 Cr | ₹85.19 L |
| 30 | ₹18 L | ₹1.14 Cr | ₹95.97 L |
How this is calculated
Standard time-value-of-money formulas with the inputs and assumptions shown. Every result records the rule-pack version used.
Educational estimate. Returns are not guaranteed; taxes and charges are not included unless stated. · india-2026-27.v1
Where the figures come from
Tax slabs, scheme rates and planning assumptions are kept in a dated rule pack with a source for each figure.
Where the rules come from
- PPF: Department of Economic Affairs, small savings interest rates (OM F. No. 1/4/2019-NS of 30 September 2026) (checked 2026-10-26)7.1% for 1 October to 31 December 2026, unchanged since April 2023. Rates are reset every quarter; check again in January 2027.
- NSC: Department of Economic Affairs, small savings interest rates (checked 2026-10-26)7.7% for October to December 2026.
- Sukanya Samriddhi: Department of Economic Affairs, small savings interest rates (checked 2026-10-26)8.2% for October to December 2026.
- Senior Citizens Savings Scheme: Department of Economic Affairs, small savings interest rates (checked 2026-10-26)8.2% for October to December 2026; deposit limit ₹30 L.
- Post office MIS: Department of Economic Affairs, small savings interest rates (checked 2026-10-26)7.4% for October to December 2026.
- Post office time deposits: Department of Economic Affairs, small savings interest rates (checked 2026-10-26)1 year 6.9%, 2 years 7.0%, 3 years 7.1%, 5 years 7.5% for October to December 2026.
- Kisan Vikas Patra: Department of Economic Affairs, small savings interest rates (checked 2026-10-26)7.5%, doubles in 115 months.
- EPF: EPFO retains 8.25% for 2025-26 (checked 2026-10-26)8.25% is the rate declared for 2025-26 and ratified by the government; the 2026-27 rate is usually declared by the Central Board of Trustees around February and should be updated then.
- NPS: PFRDA (checked 2026-10-26)Equity cap of 75% after 50 under auto choice, at least 40% annuitised at exit, normal exit at 60. Not re-verified against a 2026 circular.
- Gratuity: Payment of Gratuity Act, 1972 (checked 2026-10-26)15 days' wages per completed year on a 26-day month; tax-free limit ₹20 L for private-sector employees. Not changed in 2026.
- Planning assumptions: My Money & Me editorial assumptions (checked 2026-10-26)Inflation, return, life-expectancy and withdrawal assumptions are planning defaults shown on every result; members can change them in each calculator.