India's Pension Answer

The National Pension System builds a retirement corpus through disciplined monthly contributions invested across equity and debt. This NPS calculator projects the corpus at retirement and splits it the way NPS does: 60% tax-free lump sum, 40% annuity.

The Projection

Your monthly contribution plus your employer's grows at the expected annual return, compounded monthly over the years to retirement. The chart separates your contributions from the corpus so the power of compounding — and the value of starting early — is unmistakable.

The Retirement Split

At maturity, 60% of the corpus is yours tax-free; the remaining 40% buys an annuity that pays a monthly pension for life at the annuity rate you select. Raising the expected return shows how allocation choices ripple into retirement income.