Non-Government Sector NPS Calculator

Your Inputs

Non-Government NPS Calculator

Choose your subscriber model

CorporateFor employees with an employer-linked NPS account.All CitizenFor individual and self-employed subscribers.

Current Age

Planned Exit Age

Years Already Subscribed

Used with the projection period to test the All Citizen 15-year normal-exit vesting rule.

Existing Corpus

Enter 0 for a new account.

Employee Contribution

Your monthly employee or voluntary contribution.

Employer Contribution

The employer's monthly contribution to your NPS account.

Advanced Options

Annual Contribution Increase

Expected Annual Return

Expected Inflation

Marginal Income Tax Rate

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

Annuity & Pension

Corpus Used for Annuity

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

Expected Annuity Rate

A positive annual rate is required to estimate monthly pension.

Optional Corpus Goal

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

How It Works

Build your Non-Government Sector estimate

Choose your NPS model
Select Corporate if your employer contributes, or All Citizen for an individual account.
Add contributions
Enter your ages, existing corpus, monthly contribution, and planning assumptions.
Compare the estimate
Review the projected corpus, exit allocation, pension, and return scenarios as they update.

Your Estimate

Projected Retirement Corpus

₹0

Adjust the inputs to explore your plan.

Growth View

How the Corpus Builds

Indicative

Compare Return Scenarios

Scenario	Return	Corpus	Monthly Pension	Taxes Saved

Estimated tax avoided at your selected slab rate on the tax-free lump-sum withdrawal, capped at 60% of corpus. Cess and surcharge are excluded. Annuity income remains taxable when received. Tax guidance from Protean.

Important: This is an educational estimate, not a guarantee or financial advice. Market returns, rules, charges, taxes, and annuity rates can change.

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 Non-Government Sector, while identifying exceptions that require an individual review.

Calculator FAQs

About Non-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.

Which option should I choose?

Choose Corporate if your employer contributes to your NPS account, or All Citizen for an individual voluntary account.

Can I compare the two options?

Yes. Switch the subscriber model above the inputs and adjust the contributions and assumptions for each projection.

When does the calculator apply the premature-exit split?

It requires at least 80% annuity before normal exit. For All Citizen accounts, normal exit is reached at age 60 or after 15 years of subscription, whichever is earlier. Small-corpus exceptions may permit full withdrawal.

Does an employer contribution change my NPS projection?

Yes. Corporate contributions increase the amount invested each month and can materially increase the projected corpus. Use the Corporate option and enter only the contribution your employer actually makes.

Does this calculator include partial withdrawals?

No. It projects contributions through the selected exit age without deducting an interim withdrawal. If you expect a permitted partial withdrawal, subtract it from the existing corpus at the relevant review point and recalculate; eligibility and permitted purposes must be checked separately.

Open Methodology

Check the calculation

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

Review Methodology