Contributions grow in the chosen funds until 60. At exit, at least 40% must buy an annuity (a lifelong pension); up to 60% can be withdrawn tax-free. The pension depends on the annuity rate the insurer offers at the time.
Age now30 yrs
yrs
Monthly contribution₹5k
₹
Raising it each year by5%
%
Expected return10%
%
Depends on the equity share of the funds chosenShare used to buy the annuity40%
%
Annuity rate6%
%
What insurers pay a year on the annuity amount; 5.5–7% for a life annuityNPS balance so far₹0
₹
Results
Corpus at 60₹1.8 Crafter 30 years
Lump sum (tax-free)₹1.1 Cr60% of the corpus
Annuity bought₹72 L40% of the corpus
Monthly pension₹35,930at 6.0% annuity rate
Contributed in all₹40 Lover 30 years
Own contributions get 80CCD(1B) up to ₹50,000 over 80C under the old regime; the employer's up to 14% of basic in the new regime. The annuity rate is the insurer's at the time of purchase; a joint-life or return-of-purchase-price annuity pays less a month.
Corpus to 60
Year by year
| Age | Monthly contribution | Contributed so far | Corpus |
|---|---|---|---|
| 31 | ₹5,000 | ₹60,000 | ₹63,351 |
| 32 | ₹5,250 | ₹1,23,000 | ₹1,36,504 |
| 33 | ₹5,513 | ₹1,89,150 | ₹2,20,643 |
| 34 | ₹5,788 | ₹2,58,608 | ₹3,17,084 |
| 35 | ₹6,078 | ₹3,31,538 | ₹4,27,291 |
| 36 | ₹6,381 | ₹4,08,115 | ₹5,52,888 |
| 37 | ₹6,700 | ₹4,88,521 | ₹6,95,680 |
| 38 | ₹7,036 | ₹5,72,947 | ₹8,57,668 |
| 39 | ₹7,387 | ₹6,61,594 | ₹10,41,076 |
| 40 | ₹7,757 | ₹7,54,674 | ₹12,48,369 |
| 41 | ₹8,144 | ₹8,52,407 | ₹14,82,283 |
| 42 | ₹8,552 | ₹9,55,028 | ₹17,45,850 |
| 43 | ₹8,979 | ₹10,62,779 | ₹20,42,433 |
| 44 | ₹9,428 | ₹11,75,918 | ₹23,75,761 |
| 45 | ₹9,900 | ₹12,94,714 | ₹27,49,965 |
| 46 | ₹10,395 | ₹14,19,450 | ₹31,69,626 |
| 47 | ₹10,914 | ₹15,50,422 | ₹36,39,815 |
| 48 | ₹11,460 | ₹16,87,943 | ₹41,66,154 |
| 49 | ₹12,033 | ₹18,32,340 | ₹47,54,867 |
| 50 | ₹12,635 | ₹19,83,957 | ₹54,12,850 |
| 51 | ₹13,266 | ₹21,43,155 | ₹61,47,736 |
| 52 | ₹13,930 | ₹23,10,313 | ₹69,67,979 |
| 53 | ₹14,626 | ₹24,85,829 | ₹78,82,937 |
| 54 | ₹15,358 | ₹26,70,120 | ₹89,02,969 |
| 55 | ₹16,125 | ₹28,63,626 | ₹1,00,39,541 |
| 56 | ₹16,932 | ₹30,66,807 | ₹1,13,05,342 |
| 57 | ₹17,778 | ₹32,80,148 | ₹1,27,14,416 |
| 58 | ₹18,667 | ₹35,04,155 | ₹1,42,82,301 |
| 59 | ₹19,601 | ₹37,39,363 | ₹1,60,26,191 |
| 60 | ₹20,581 | ₹39,86,331 | ₹1,79,65,105 |
Assumptions & formula
Exit rules of the PFRDA (40% annuity, 60% lump sum tax-free) · FY 2026-27Corpus = Σ contributions compounding monthly at the fund return to age 60 · Pension = corpus × annuity share × annuity rate ÷ 12- A constant fund return; the actual mix (equity, corporate bonds, government bonds) and its returns vary.
- A corpus of ₹5 lakh or less can be withdrawn in full.
Calculators are for information and planning. Outputs depend on the inputs and assumptions you enter and are not a recommendation to buy, sell or hold any security or product. Streetgains Technologies Private Limited is a SEBI Registered Research Analyst (INH000017082); it is not a loan provider, tax adviser or mutual fund distributor.