Project retirement contributions and explore user-selected lump-sum and annuity assumptions.
Free to use · No sign-up · Download your illustrationIllustrative constant-rate path. Real market returns vary; this is not historical performance.
Same inputs; only the annual rate assumption changes. These are illustrations, not forecasts.
| Year | Contributed / paid | Growth / interest | Closing value |
|---|---|---|---|
| 1 | ₹60,000 | ₹2,886 | ₹62,886 |
| 2 | ₹1,20,000 | ₹11,433 | ₹1,31,433 |
| 3 | ₹1,80,000 | ₹26,148 | ₹2,06,148 |
| 4 | ₹2,40,000 | ₹47,588 | ₹2,87,588 |
| 5 | ₹3,00,000 | ₹76,357 | ₹3,76,357 |
| 6 | ₹3,60,000 | ₹1,13,116 | ₹4,73,116 |
| 7 | ₹4,20,000 | ₹1,58,583 | ₹5,78,583 |
| 8 | ₹4,80,000 | ₹2,13,542 | ₹6,93,542 |
| 9 | ₹5,40,000 | ₹2,78,847 | ₹8,18,847 |
| 10 | ₹6,00,000 | ₹3,55,430 | ₹9,55,430 |
| 11 | ₹6,60,000 | ₹4,44,305 | ₹11,04,305 |
| 12 | ₹7,20,000 | ₹5,46,579 | ₹12,66,579 |
| 13 | ₹7,80,000 | ₹6,63,458 | ₹14,43,458 |
| 14 | ₹8,40,000 | ₹7,96,256 | ₹16,36,256 |
| 15 | ₹9,00,000 | ₹9,46,405 | ₹18,46,405 |
| 16 | ₹9,60,000 | ₹11,15,468 | ₹20,75,468 |
| 17 | ₹10,20,000 | ₹13,05,147 | ₹23,25,147 |
| 18 | ₹10,80,000 | ₹15,17,296 | ₹25,97,296 |
| 19 | ₹11,40,000 | ₹17,53,940 | ₹28,93,940 |
| 20 | ₹12,00,000 | ₹20,17,281 | ₹32,17,281 |
| 21 | ₹12,60,000 | ₹23,09,722 | ₹35,69,722 |
| 22 | ₹13,20,000 | ₹26,33,884 | ₹39,53,884 |
| 23 | ₹13,80,000 | ₹29,92,620 | ₹43,72,620 |
| 24 | ₹14,40,000 | ₹33,89,042 | ₹48,29,042 |
| 25 | ₹15,00,000 | ₹38,26,542 | ₹53,26,542 |
A contribution rule for the stated model; not a pension amount, return, or individual exit entitlement.
A simple guide with a worked example, practical limitations and linked references. Read it before turning an illustration into a decision.
Read the NPS guide →791 words · General education · Prasar Knowledge StudioContributions and the existing corpus compound to the selected age. Illustrative annuity income = projected corpus × selected annuity share × assumed annual payout rate / 12.
NPS outcomes are market-linked. Exit conditions vary by applicable rules and subscriber circumstances. Annuity allocation and rate are editable assumptions, not an entitlement or guaranteed quote. Check current PFRDA rules and actual annuity-provider terms.
Our scope and disclosures →Planning India-linked goals from abroad? Explore NRI records and distribution context →
Explore a monthly contribution, work backwards from a target, or plan an education goal.
Open calculator →Invest & growCompare a rising contribution with a flat SIP using the same growth assumption.
Open calculator →Invest & growEstimate a one-time investment’s growth and its value after inflation.
Open calculator →