Savings & investing
NPS Calculator
Estimate your National Pension System outcome at 60 — the total corpus, the lump sum you can take, and the monthly pension from the annuity. Enter your contribution, expected return and annuity choices below.
Your NPS
₹
Corpus at 60—
Total invested—
Lump sum (tax-free)—
Annuity corpus—
Monthly pension—
Corpus growth by age
All amounts in ₹.
| Age | Invested | Corpus |
|---|
How it's calculated
Contributions are invested monthly and compounded at your expected return until age 60. At 60, the chosen annuity portion (at least 40%) is set aside to buy a pension and the rest is a tax-free lump sum. The pension is the annuity corpus multiplied by the annuity rate, spread across the year.
Corpus compounds monthly to age 60. Lump sum up to 60% is tax-free; minimum 40% funds the annuity. The annuity rate depends on the plan you pick.
Frequently asked questions
Is NPS tax-saving?
In the old regime, contributions qualify under 80CCD; in the new regime, the employer's NPS contribution under 80CCD(2) is the main benefit that remains.
Can I take the whole corpus?
Only if the corpus is small enough to qualify for full withdrawal; otherwise at least 40% must buy an annuity.
Is the pension fixed for life?
It depends on the annuity option chosen — some pay a level pension for life, others return the corpus to nominees.