NPS Calculator
Project your retirement corpus and pension under NPS.
At exit you can withdraw up to 60% as a tax-free lump sum (₹1,36,75,952) — at least 40% (₹91,17,301) must purchase an annuity that pays your pension. Returns are market-linked and not guaranteed.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
The National Pension System compounds your monthly contributions until retirement, then lets you withdraw up to 60% tax-free while at least 40% buys an annuity for monthly pension. Project your corpus and that split here.
How to use the NPS Calculator
- Enter your monthly NPS contribution and expected return (NPS funds mix equity and debt).
- Set your current and retirement age.
- Read the projected corpus, the 60% lump sum and the 40% annuity portion.
Frequently asked questions
How much pension will NPS give me?
At retirement, at least 40% of the corpus must buy an annuity; your monthly pension is that annuity's payout (rates vary by insurer, roughly 6–7% of the annuity corpus per year currently).
What return should I assume for NPS?
NPS funds blend equity (E), corporate debt (C) and government bonds (G). Balanced allocations have historically delivered high single digits to around 10% — adjust to your own mix.
Is NPS withdrawal tax-free?
The 60% lump sum at retirement is tax-free. The annuity portion's monthly pension is taxable as income in the year received.