NPS Calculator
Estimate your National Pension System corpus, tax-free lump sum and monthly pension at retirement. Enter your contribution, age and expected returns.
₹
₹500₹2,00,000
Ten Thousand Rupees
yrs
18 yrs59 yrs
NPS contributions continue until age 60.
%
5%15%
NPS is market-linked. A balanced mix of equity and debt has historically returned 9-11%.
%
40%100%
At least 40% of the corpus must be used to buy an annuity. The rest can be withdrawn tax-free.
%
4%9%
Total Invested
₹36.00 L
Corpus at 60
₹2.28 Cr
Lump Sum (Tax-Free)
₹1.37 Cr
Annuity Corpus
₹91.17 L
Monthly Pension
₹45,587
Taxable as income
Corpus Split at Age 60
NPS returns are market-linked and not guaranteed. At 60, at least 40% of the corpus must buy an annuity; the pension from it is taxable. The lump sum withdrawal is tax-free. NPS also offers an extra Rs 50,000 deduction under Section 80CCD(1B).
Frequently Asked Questions
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