NPS Calculator
Project a National Pension System account to age 60. Enter your monthly contribution and expected return to see the corpus, how much can be taken tax-free as a lump sum, and the monthly pension the annuity portion buys.
Current age
Retirement age
Monthly contribution (₹)
Expected return (% p.a.)
Annuity portion (%)At least 40% must buy an annuity.
Annuity rate (% p.a.)
Corpus at retirement
₹92,22,370
30 years of investing
Tax-free lump sum
₹55,33,422
60% withdrawn
Monthly pension
₹18,445
from a ₹36,88,948 annuity
| Total invested | ₹18,00,000 |
| Growth | ₹74,22,370 |
| Corpus at 60 | ₹92,22,370 |
| Used to buy annuity (40%) | ₹36,88,948 |
| Withdrawn as lump sum | ₹55,33,422 |
Assumes a level monthly contribution and a constant return until retirement. NPS returns are market-linked and not guaranteed. At exit, up to 60% of the corpus can be withdrawn tax-free and at least 40% must be used to purchase an annuity, whose payout depends on the rate at that time. Nothing is uploaded.
FAQ
- How much of the NPS corpus is tax-free?
- At 60 you can withdraw up to 60% of the corpus tax-free. At least 40% must be used to buy an annuity, which provides the monthly pension and is taxed as income when received.
- Are NPS returns guaranteed?
- No. NPS invests in equity, corporate bonds and government securities; returns vary with the mix and the market.
Related tools
- SIP CalculatorFuture value of a monthly mutual-fund SIP, with optional step-up.
- Lumpsum Investment CalculatorFuture value of a one-time investment at a compound rate.
- FD CalculatorFixed-deposit maturity value with quarterly compounding.
- RD CalculatorRecurring-deposit maturity from a fixed monthly deposit.
- PPF Calculator15-year Public Provident Fund maturity and yearly balance.
Free to use, no sign-up. Calculations run in your browser — nothing you type is sent to a server. These tools are for general information only, not professional advice. See the full tool list.