Corporate NPS Calculator

How much corpus will I build with Corporate NPS?

Your employer can contribute a share of your Basic salary to your NPS account - up to 14% in the new tax regime, 10% in the old. Enter your salary structure to see the corpus you build by 60 and the monthly pension it funds for life.

Your salary & details
Which tax regime are you in?
Annual CTC
₹
₹18.00 lakh a year · ₹1,50,000 per month
Annual Basic salary
₹
50% of CTC · ₹75,000 per month
Employer NPS contribution (% of Basic)14%
New Tax Regime - Capped at 14% of Basic
Your own monthly contribution
₹
Optional. The ₹50,000 80CCD(1B) deduction is not available in the new regime.
Current age30 yrs
Retirement age
Fixed - cannot be changed
60 yrs
Annual salary increment8%
Your Basic and contributions grow at this rate every year.
Expected rate of return10%
Your projection
Corpus at 60
₹7.70 Cr
₹7,70,35,782
Amount invested
₹2.11 Cr
Employer + your share
Employer contribution invested₹1.43 Cr
Your contribution invested₹67.97 L
Your pension annuity
Withdrawal percentage
Share of corpus you take as a tax-free lump sum at retirement
Available for withdrawal (60%)₹4.62 Cr
Annuity purchased for (40%)₹3.08 Cr
Monthly pension received
for life, from your annuity
₹1,54,072
Indicative estimate. Annuity assumed at 6% p.a. Actual returns vary with market performance and your chosen scheme.
Corpus growth
How your Corporate NPS account compounds until age 60
Projected corpus at 60
₹7.70 Cr
33
36
39
42
45
48
51
54
57
60
Age in years →
Year by year
Your corpus building, one year at a time
AgeAnnual CTCAnnual BasicEmployer contributionYour contributionCorpus
31₹18,00,000₹9,00,000₹1,26,000₹60,000₹1,94,766
32₹19,44,000₹9,72,000₹1,36,080₹64,800₹4,25,508
33₹20,99,520₹10,49,760₹1,46,966₹69,984₹6,97,240
34₹22,67,482₹11,33,741₹1,58,724₹75,583₹10,15,600
35₹24,48,880₹12,24,440₹1,71,422₹81,629₹13,86,924
36₹26,44,791₹13,22,395₹1,85,135₹88,160₹18,18,328
37₹28,56,374₹14,28,187₹1,99,946₹95,212₹23,17,801
38₹30,84,884₹15,42,442₹2,15,942₹1,02,829₹28,94,300
39₹33,31,674₹16,65,837₹2,33,217₹1,11,056₹35,57,870
40₹35,98,208₹17,99,104₹2,51,875₹1,19,940₹43,19,764
41₹38,86,065₹19,43,032₹2,72,025₹1,29,535₹51,92,586
42₹41,96,950₹20,98,475₹2,93,787₹1,39,898₹61,90,442
43₹45,32,706₹22,66,353₹3,17,289₹1,51,090₹73,29,117
44₹48,95,323₹24,47,661₹3,42,673₹1,63,177₹86,26,262
45₹52,86,949₹26,43,474₹3,70,086₹1,76,232₹1,01,01,611
46₹57,09,904₹28,54,952₹3,99,693₹1,90,330₹1,17,77,213
47₹61,66,697₹30,83,348₹4,31,669₹2,05,557₹1,36,77,700
48₹66,60,032₹33,30,016₹4,66,202₹2,22,001₹1,58,30,573
49₹71,92,835₹35,96,418₹5,03,498₹2,39,761₹1,82,66,530
50₹77,68,262₹38,84,131₹5,43,778₹2,58,942₹2,10,19,828
51₹83,89,723₹41,94,861₹5,87,281₹2,79,657₹2,41,28,676
52₹90,60,901₹45,30,450₹6,34,263₹3,02,030₹2,76,35,685
53₹97,85,773₹48,92,886₹6,85,004₹3,26,192₹3,15,88,357
54₹1,05,68,635₹52,84,317₹7,39,804₹3,52,288₹3,60,39,634
55₹1,14,14,125₹57,07,063₹7,98,989₹3,80,471₹4,10,48,503
56₹1,23,27,255₹61,63,628₹8,62,908₹4,10,909₹4,66,80,670
57₹1,33,13,436₹66,56,718₹9,31,941₹4,43,781₹5,30,09,307
58₹1,43,78,511₹71,89,255₹10,06,496₹4,79,284₹6,01,15,879
59₹1,55,28,791₹77,64,396₹10,87,015₹5,17,626₹6,80,91,067
60₹1,67,71,095₹83,85,547₹11,73,977₹5,59,036₹7,70,35,782
CTC, Basic and contributions grow at your chosen annual increment. Corpus is the balance at the end of each year.
Enrol in Corporate NPS →
FAQ

Frequently asked questions

Corporate NPS is offered through your employer. Your company contributes to your NPS Tier I account alongside your own contributions, and that employer share is a tax-free perquisite within the prescribed limit. In Retail NPS you invest entirely on your own, with no employer contribution.