NPS Corpus for Rs 5,000 Monthly Contribution over 30 Years
Project your NPS corpus and monthly pension for a Rs 5,000 monthly contribution from age 30 to 60.
Contributing ₹5,000/month to NPS from age 30 to 60 at 10% expected annual returns builds a corpus of ₹1,13,96,627. At retirement, ₹68,37,976 is available as a tax-free lump sum, while ₹45,58,651 is annuitised to pay an estimated ₹22,793/month pension for life.
- Current age
- 30 years
- Retirement age
- 60 years
- Monthly contribution
- ₹5,000
- Expected return rate
- 10% p.a.
Total corpus at retirement
10% p.a.₹1.14 Crore
₹1,13,96,627
over 30 years
Total invested
₹18 Lakhs
₹18,00,000
Total returns
₹95.97 Lakhs
₹95,96,627
+533% gain
Lump sum at retirement
₹68.38 Lakhs
₹68,37,976
Estimated monthly pension
₹22,
Inflation-adjusted value
₹19.84 Lakhs
₹19,84,268
in today's ₹, at 6% inflation| Year | Invested | Split | Returns | Corpus |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹3,351 | ₹63,351 | |
| 2 | ₹1,20,000 | ₹13,337 | ₹1,33,337 | |
| 3 | ₹1,80,000 |
APY Calculator
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Assumes a constant 10% annual return on the NPS corpus and a minimum 40% annuitisation as required by PFRDA rules. Actual NPS returns depend on your chosen fund manager and asset allocation, and annuity payout rates vary by provider.