NPS Calculator

NPS Pension Calculator

Estimate your National Pension System corpus at age 60, your tax-free lump sum, and the monthly pension you could receive for life.

Your current age

yrs

Monthly contribution

₹

Expected return

% p.a.

% used for pension at 60 (min 40%)

Expected annuity rate

% p.a.

Total corpus at age 60

₹0

Lump sum (tax-free)

₹0

Monthly pension

₹0

How this works: assumes monthly contributions compounded monthly until age 60. At 60, at least 40% of the corpus must buy an annuity (pension); the rest can be withdrawn tax-free. Monthly pension = annuity corpus × annuity rate ÷ 12. NPS also gives an extra ₹50,000 deduction under 80CCD(1B). Returns and annuity rates are assumptions, not guaranteed. Educational estimate, not advice. Compare with PPF and SIP.