Enter what you spend today — and find out the corpus you need, the SIP to build it, and exactly how long your money lasts.
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Your Retirement Plan
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18 yrs55 yrs
45 yrs70 yrs
60 yrs80 yrs
2% p.a.12% p.a.
5% p.a.16% p.a.
4% p.a.7% p.a.
0% (flat)10% p.a.
100% annuity20% annuity
Results
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Corpus Growth to Retirement
Amount Invested
Corpus Value
Target Corpus
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✦ A Note on These Numbers
These projections are based on the assumptions you've entered — real-world returns, inflation, and expenses will vary.
NPS at maturity requires a minimum 20% of your corpus to be used for annuity purchase. The annuity rate shown is an assumption, not a guaranteed rate — actual rates vary by insurer and your age at purchase.
Your fixed monthly pension is a planning target that stays constant regardless of the annuity/lumpsum split — a lower annuity allocation simply means a larger total corpus is needed to fund the same pension.
Annuity income is fully taxable as per your income tax slab — unlike the lumpsum withdrawal, which is completely tax-free with no restrictions on how it's used.
Annuities pay a fixed pension for the annuitant's actual life — insurers pool this across many annuitants using their own mortality assumptions, priced into the annuity rate. This is independent of any life-expectancy figure you might personally plan around.
The "Annuity Percentage" slider is yours to set based on your own view of your life expectancy, health, family history, and other income sources. A higher annuity % means a larger guaranteed pension and smaller lumpsum; a lower annuity % means a smaller (but still lifelong) pension with a larger tax-free lumpsum for other goals.
Tax treatment and withdrawal rules are subject to change. This is for planning purposes only and does not constitute financial advice.