NPS Calculator
Project your National Pension System corpus at retirement, your lump-sum withdrawal and estimated monthly pension.
Enter values to see the result.
About the NPS Calculator
The National Pension System (NPS) is a low-cost, market-linked retirement scheme. This calculator projects the corpus your monthly contributions could grow into by retirement, splits it into the tax-free lump-sum and the portion that must buy an annuity, and estimates the monthly pension that annuity could pay.
How to use it
- Enter your monthly contribution and current age.
- Set your retirement age and the return you expect on the NPS corpus.
- Choose how much of the corpus will buy an annuity (minimum 40%) and the annuity rate.
- See your projected corpus, lump-sum withdrawal and estimated monthly pension.
Salaried and self-employed savers use NPS for its extra ₹50,000 deduction under 80CCD(1B) and disciplined retirement saving. This tool helps you size your contribution to hit a pension goal. It runs entirely in your browser, so your figures stay private.
Frequently asked questions
How much of the NPS corpus can I withdraw at 60?
Up to 60% can be withdrawn tax-free as a lump sum; at least 40% must be used to buy an annuity that pays your monthly pension.
What return should I assume?
NPS returns depend on your equity-debt mix and aren't guaranteed. A long-term assumption of 9-11% is common, but use a figure you're comfortable with, since this is a projection, not a promise.
What tax benefit does NPS give?
Beyond the 80C limit, NPS offers an additional ₹50,000 deduction under Section 80CCD(1B) in the Old regime, making it popular for tax saving.
Is my data saved?
No. The projection is computed locally in your browser and nothing is uploaded.