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National Pension System Planning
NPS CalculatorRetirement estimates, explained
Your Inputs

Government NPS Calculator

Enter 0 for a new account.

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Central Government default is 14%; use the rate applicable to your State Government or autonomous body.

Total monthly contribution: ₹18,000 10% employee contribution + your government contribution rate on Basic Pay + DA.

Advanced Options
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Your applicable slab rate, used to estimate tax avoided on the exempt lump sum.

Annuity & Pension

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Minimum shown for this sector’s normal-exit estimate.

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A positive annual rate is required to estimate monthly pension.

We’ll estimate the monthly contribution needed to reach it.

How It Works

Build your Government Sector estimate

  1. Add your timeline

    Enter your current age, planned exit age, and any NPS corpus you have already built.

  2. Enter pay and assumptions

    Add Basic Pay, DA, the applicable government contribution rate, and your growth assumptions.

  3. Review the outcome

    See the projected corpus, lump sum, and indicative monthly pension update automatically.

Understand the Estimate

What this calculator does

It converts your inputs into an illustrative projection using monthly compounding, annual contribution step-ups, and the payout assumptions shown in the form.

Transparent assumptions

Change return, inflation, and annuity assumptions. The result updates without sending your financial inputs to a server.

Scheme-aware output

The calculator applies the age, subscription-period, corpus-threshold and payout rules relevant to Government Sector, while identifying exceptions that require an individual review.

Calculator FAQs

About Government Sector

These answers explain the assumptions and rules most relevant to this calculator. Check the linked methodology and official source before making a decision.

Are NPS returns guaranteed?

No. NPS returns are market-linked. This calculator uses the return you enter only as a planning assumption.

Does the projection include the government contribution?

Yes. The employee contribution is 10% of Basic Pay plus DA. The Central Government rate is 14%; State Government and autonomous-body subscribers can enter their applicable employer rate.

What happens if I plan to exit before age 60?

The calculator treats it as a premature exit and automatically requires at least 80% of the corpus for annuity, leaving up to 20% as lump sum. A small-corpus exception may permit full withdrawal under the applicable rules.

Does the calculator cover State Government and autonomous-body NPS?

Yes, as an illustration. Enter the employer contribution rate that actually applies to your State Government, State Autonomous Body or Central Autonomous Body account. Your service rules and nodal-office records control the real contribution and exit treatment.

Can a government employee make an additional voluntary NPS contribution?

Eligible government subscribers can generally make voluntary contributions in addition to mandatory payroll contributions. Enter the total employee amount you want to model, but verify payroll treatment and applicable tax rules with your nodal office or adviser.

Open Methodology

Check the calculation

See every formula, limitation, and official source behind the estimate.

Review Methodology