NPS Calculator

Project your National Pension System corpus to 60 — and see the tax-free lump sum and the monthly pension your annuity would pay.

📖 About this tool

What it does

Projects monthly NPS contributions to a corpus at retirement, then splits it: at least 40% buys an annuity (your monthly pension, taxed at slab) and up to 60% is a tax-free lump sum. NPS also gives an exclusive extra ₹50,000 deduction under 80CCD(1B).

Who this helps

Corporate and self-employed Indians building a retirement corpus — especially post-2004 employees who have NPS instead of the old defined-benefit pension.

What it doesn't do

Assumes a steady return; NPS is market-linked and will vary. Annuity rates change with interest rates. Not advice.

Inputs

Your NPS

Your NPS Corpus

Corpus Growth to Retirement
Year-by-Year
YearBalanceInvestedGains