NPS Retirement Corpus Calculator

Calculate your retirement corpus with DA mergers and government fitment benefits

Enter Your Details

Basic Information
Current Age (years)

Retirement Age (years)

Current NPS Corpus (₹)

Your existing NPS balance
Current Basic Salary (₹)

Current DA Rate (%)

Current Dearness Allowance percentage
Growth & Returns
Annual Basic Increment (%)

Annual DA Growth (%)

DA accumulation per year
NPS Contribution Rate (% of Basic+DA)

Default is 24% for government employees
NPS Investment Scheme
LC75 – Aggressive (75% equity till 35)LC50 – Moderate (50% equity till 35)LC25 – Conservative (25% equity till 35)
Selected Scheme: LC75 – Aggressive

Age Range	Equity	Bonds	Govt Sec
Up to 35	75%	10%	15%
36-45	71-35%	11-20%	18-45%
46-55	32-15%	20-10%	48-75%

DA Merger & Fitment Settings
First DA Merger Year

Year when first DA merger happens
DA Merger Frequency (years)

How often DA mergers occur (typically 10 years)
1st Merger Fitment (%)

2nd Merger Fitment (%)

3rd Merger Fitment (%)

About Fitment:
Fitment is the additional increment given during DA merger. For example, 22% fitment means after merging Basic + DA, the new basic increases by another 22%.
Expected Returns on Investment
How Returns Work:
Returns vary based on asset allocation (Equity, Corporate Bonds, Government Securities). You can customize expected returns for each asset class below. The calculator will automatically compute weighted returns based on your selected LC scheme.
Equity Return (%)

Historical average: 10-12%
Corporate Bonds Return (%)

Historical average: 7-8%
Government Securities Return (%)

Historical average: 6-7%
Retirement Withdrawal Options
Lumpsum Withdrawal at Retirement (%)
0% – Maximum Pension (100% Annuity)5% – (95% Annuity)10% – (90% Annuity)15% – (85% Annuity)20% – (80% Annuity)25% – (75% Annuity)30% – (70% Annuity)35% – (65% Annuity)40% – (60% Annuity)45% – (55% Annuity)50% – Balanced (50% Annuity)55% – (45% Annuity)60% – Maximum Lumpsum (40% Annuity)
Choose your withdrawal strategy:
• 0% Lumpsum = Maximum monthly pension
• 60% Lumpsum = Maximum cash withdrawal + lower pension
• 50% Lumpsum = Balanced approach
Expected Annuity Rate (%)

Current market rates: 5.5-7% (varies by insurer and age)
Understanding Withdrawal Options:
• 0% Lumpsum (100% Annuity): Maximum monthly pension, no lumpsum withdrawal
• 60% Lumpsum (40% Annuity): Maximum lumpsum, lower monthly pension
• Balanced Approach: 30-40% lumpsum gives good balance
• NPS rules allow up to 60% lumpsum withdrawal (tax-free)


Use Custom Returns for Each Scenario

Check this to set different fixed returns for Conservative, Moderate, and Optimistic scenarios
Custom Scenario Returns:
Define specific return percentages for each scenario instead of using the asset allocation above.
Conservative Return (%)

Lower risk, lower return
Moderate Return (%)

Balanced risk-return
Optimistic Return (%)

Higher risk, higher return

Auto-Calculate from Asset Returns

Automatically sets Conservative (90%), Moderate (100%), and Optimistic (110%) of weighted asset returns
Calculate My Retirement Corpus

Your Retirement Projection

Fill in your details on the left and click “Calculate” to see your retirement corpus projection!

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