Inputs

Assumptions: Contributions are added at the start of each period (monthly/quarterly/yearly) and the corpus compounds monthly at the assumed annual return. Step-up increases your contribution once every 12 months from the start date.

Investment Frequency Monthly / Quarterly / Yearly
Contribution Amount (₹ per chosen frequency)
Step-up Contribution % YoY (% increase every year)
Expected Annual Return (% p.a., effective)
Current Age (years)
Invested Till Age (stop contributions at this age)
Retirement Age (fixed)

At Retirement (60)

Lumpsum % withdrawn at 60 (of total corpus)
Invested in Annuity % (auto = 100 − lumpsum %)
Expected Annuity Rate (% p.a. payout on annuity purchase)
Disclaimer: Illustration only. Returns and annuity rates are assumptions, not guaranteed. Taxes, charges, exit-loads and NPS rules are not modeled here.

Results

Total Corpus at 60

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Total Contribution

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Lumpsum Withdrawn at 60

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Amount Going into Annuity

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Expected Pension per Month

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Implied Annual Pension

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Corpus Growth (Year-end)

Projected corpus at the end of each year from current age to retirement age (60).

Contributions vs Corpus (Year-end)

Cumulative contributions compared with projected corpus at each year-end.

Pension Sensitivity (Annuity Rate)

How monthly pension changes if annuity rate varies from 5% to 9% (assumed).

Year-wise Snapshot

Contribution shown is total added in that year (as per frequency); corpus is at year-end.

YearAgeContribution (₹)Corpus (₹)
Click Calculate to view details.
Disclaimer: This report has been prepared on the basis of data available to us and we have taken all precautions so that there are no errors and lapses. However, we do not assume any liability for actions taken on the basis of this report. The user is advised to verify the contents of the report independently. Returns above 1 year are annualised. Past performance may or may not be sustained in future. Please consult a SEBI-registered investment advisor before making financial decisions.