India NPS Calculator (National Pension System)
Enter your monthly contribution, current age, retirement age, and expected annual return to estimate your NPS corpus at retirement.
India NPS Calculator (National Pension System)
Project your NPS retirement corpus and estimated lump-sum/annuity split.
The National Pension System (NPS) is a market-linked, defined-contribution retirement scheme. On exit at 60, at least 40% of the accumulated corpus must be used to purchase an annuity, while up to 60% can be withdrawn as a tax-free lump sum.
Example
- With the default values shown above, this calculator returns: Estimated Corpus at Retirement ≈ INR 11,396,626.62; Tax-Free Lump Sum (60%) ≈ INR 6,837,975.97; Mandatory Annuity Purchase (40%) ≈ INR 4,558,650.65.
Frequently Asked Questions
How much of my NPS corpus can I withdraw as a lump sum?
Up to 60% of the accumulated corpus can be withdrawn tax-free at retirement (age 60); the remaining minimum 40% must be used to buy an annuity that provides regular pension income.
Are NPS returns guaranteed?
No. NPS is a market-linked scheme, so actual returns depend on the performance of the equity, corporate bond and government securities funds you choose, and will vary from any single assumed rate.