How the NPS Calculator works
Monthly contributions grow at the expected return until retirement. At exit, the annuity share buys a pension paid at the annuity rate, and the rest can be taken as a lumpsum. Since December 2025, non-government subscribers need to put only 20% into an annuity (up to 80% lumpsum); government employees still need 40%.
Questions people ask
Is NPS return guaranteed?
No. NPS returns depend on the market and the funds you choose.
Small corpus rules?
Smaller corpuses have extra withdrawal options. Check current PFRDA rules at exit.
Results are estimates for planning only, not advice or a promise of returns.