NPS Calculator
Project your National Pension System corpus, lumpsum and monthly pension at retirement.
NPS allows up to 75
Blended equity + debt, ~9–10%
Pension rate at retirement
Corpus at 60
₹2.28 Cr
on ₹36.00 L invested over 30 years
Tax-free lumpsum (60%)
₹1.37 Cr
₹1,36,75,952
Annuity corpus (40%)
₹91.17 L
₹91,17,301
Est. monthly pension
₹45,587
from the annuity
How this is calculated
How it works: Monthly contributions compound until retirement to form the corpus. At least 40% buys an annuity that pays a monthly pension; up to 60% is a tax-free lumpsum. Pension = annuity corpus × annuity rate ÷ 12.
NPS adds an extra ₹50,000 deduction under 80CCD(1B) over and above 80C. Returns are market-linked and indicative; the annuity rate is set by the insurer at retirement.
Want to actually invest this plan?
Talk to a SEBI / AMFI-registered advisor — zero fees from your side.
Frequently asked questions
How is the NPS pension calculated?
Your monthly contributions compound until age 60 to form the corpus. At 60, at least 40% must be used to buy an annuity that pays a monthly pension; up to 60% can be withdrawn as a tax-free lumpsum. The pension depends on the annuity rate at that time.
What are the NPS tax benefits?
NPS offers a deduction up to ₹1.5 lakh under 80CCD(1) within the overall 80C limit, plus an extra ₹50,000 under 80CCD(1B) — a benefit unique to NPS. The 60% lumpsum at maturity is tax-free.
What return should I assume for NPS?
NPS is market-linked across equity, corporate and government bonds. A blended long-term return of ~9–10% is a common assumption, though it depends on your chosen allocation and is not guaranteed.
Related calculators
Retirement / NPS Calculator
Estimate the corpus you need at retirement and the monthly investment to get there.
SIP Calculator
See how a monthly SIP compounds into a corpus over time.
PPF Calculator
Project your Public Provident Fund maturity over 15 years.
SWP Calculator
Plan a monthly withdrawal from a corpus and see how long it lasts.