NPS corpus, gratuity, leave encashment and commuted pension — projected entirely from your own pay, age and service numbers, not a demo template.
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10% of Basic+DA from you, 14% from the government, growing monthly at your expected return rate from your current NPS balance to retirement.
At exit, 60% of your NPS corpus comes to you tax-free as a lump sum; the remaining 40% buys an annuity that pays you monthly for life.
A one-time tax-free payout based on your last Basic+DA and years of service, capped at ₹25,00,000 regardless of the formula result.
You can commute up to 40% of your monthly pension for an upfront lump sum, using an age-based commutation factor — your monthly pension reduces accordingly.
This tool computes every figure from the numbers you enter — your current NPS corpus, pay level, age, and service years — rather than using fixed demo values. That said, it still simplifies real-world variables like annual increment percentage, future DA revisions, and the exact six-monthly gratuity formula. Treat the output as a directional estimate, not a guaranteed figure.
Your actual NPS balance depends on your full contribution history and past market returns, which this tool has no way of knowing. Entering your current balance from your CRA/NPS statement gives an accurate starting point for projecting growth to retirement.
Commutation lets you convert part of your future monthly pension — up to 40% — into a lump sum paid immediately at retirement. Your monthly pension is reduced for a fixed period (commonly 15 years), after which it is typically restored to the full amount.
Use this as a starting point to understand the moving parts of your retirement package. For exact figures used in your final settlement, confirm with your department's PAO/DDO or a financial advisor closer to your retirement date.