NPS Calculator

Estimate your pension and lump sum from monthly NPS contributions.

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How to use the NPS Calculator

Enter your monthly contribution and current age.
Enter the expected return (equity-heavy NPS schemes have historically returned 9–12%).
Choose the annuity share (minimum 40%) and an expected annuity rate.

Formula used

Corpus = Σ contribution × (1 + r/12)^{months remaining} until age 60

Monthly pension = Corpus × annuity share × annuity rate ÷ 12

Lump sum = Corpus − annuity purchase (at most 60%).

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NPS Calculator — FAQs

Is the NPS lump sum tax-free?▾

Yes, up to 60% of the corpus withdrawn at retirement is tax-free. The pension from the annuity is taxed as income.

What tax benefits does NPS give?▾

In the old regime, own contributions qualify under 80CCD(1) within the 80C limit plus an extra ₹50,000 under 80CCD(1B). Employer contributions under 80CCD(2) are deductible in both regimes.

Can I withdraw before 60?▾

Partial withdrawals are allowed for specific needs after 3 years. Exiting before 60 requires 80% of the corpus to buy an annuity.

How to use the NPS Calculator

Formula used

NPS Calculator — FAQs

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