NPS & UPS Pension Calculator

Project your NPS corpus and pension at retirement, or your UPS assured payout, and compare the two. Enter your date of birth, date of joining, Basic Pay and present corpus — the estimate builds in yearly increments, DA rises and a pay commission every 10 years.

Disclaimer: This is a projection built from the assumptions below (returns, DA, pay commission outcomes and annuity rates are all estimates) and is for planning only — your actual figures will differ. NPS returns are market-linked and not guaranteed; the UPS payouts follow the scheme rules but still depend on the pay path assumed. The main figures are in future (nominal) rupees; a line below each shows roughly what it is worth in today's purchasing power.

Date of birth

Date of joining

Present Basic Pay (₹)

Current DA rate (%)

Present NPS corpus (₹) — from your PRAN statement

My Basic Pay above already includes the 8th Pay Commission (w.e.f. 1 Jan 2026). Leave unticked if it is still your 7th Pay Commission Basic — the 8th will then be applied to it.

Assumptions (editable) — return 8%, increment 3%, DA +2 pts every Jan & Jul, pay commission +15% every 10 years

Expected annual return (%)

Inflation (% a year, for today's-rupees figures)

Return on an invested lump sum (% a year, UPS vs NPS)

Used only for the “when does UPS overtake NPS” comparison.

Annual increment (%, each 1 July)

DA rise each Jan & Jul (% points)

Pay commission rise in Basic + DA (%)

Applied on 1 Jan 2026, 2036, 2046… DA resets to 0 at each commission.

Corpus used to buy an annuity (%)

Government NPS: at least 40%; the rest is the lump sum.

Annuity rate (% a year)

Fill in the details above and press “Calculate NPS Corpus” to see the projection.