NPS Calculator

Plan your National Pension System corpus and monthly pension estimate.

NPS Contribution Details

years
years
% p.a.
%
% p.a.
Total Corpus at Retirement
₹1,13,96,627After 30 years
Lump Sum (Taxable)
₹68,37,97660% of corpus — subject to tax
Annuity Corpus
₹45,58,65140% used to buy annuity
Estimated Monthly Pension
₹22,793@ 6% annuity rate

Key NPS Rules

  • 1Minimum 40% of corpus must be used to purchase an annuity.
  • 2Remaining 60% lump sum is tax-free for Tier-I at retirement (age 60).
  • 3Partial withdrawal allowed after 3 years for specific reasons.
  • 4Tax deduction: ₹1.5L under 80C + additional ₹50,000 under 80CCD(1B).
  • 5Annuity income is taxable as per your income slab.
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About NPS Calculator

Plan your National Pension System corpus and monthly pension estimate. Use this free calculator to make informed financial decisions. All calculations are performed instantly in your browser — no login required, no data stored.

Related Topics

npsnational pension systempension

Frequently Asked Questions

How accurate is this calculator?

This calculator uses standard financial formulas and is designed for educational and planning purposes. For precise financial advice, please consult a certified financial planner.

Is my data saved or stored?

No. All calculations happen entirely in your browser. We do not store, transmit, or log any of the values you enter.

Can I share the results?

Yes! Use the Share buttons above to send this calculator via WhatsApp, Twitter/X, or copy the link. You can also print the results using the Print button.