NPS Calculator

National Pension System corpus at 60, the lump sum you can withdraw and your estimated monthly pension.

At least 40% of the corpus must buy an annuity when you exit at 60.
Monthly pension
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Corpus at 60—
Lump sum you can withdraw—
Total contributed—

How to use the NPS calculator

  1. Enter your age, monthly contribution, expected return, share used to buy annuity and annuity rate.
  2. Read the monthly pension at the top of the result, with corpus at 60, lump sum you can withdraw, total contributed underneath. It updates as you type.
  3. Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.

About this tool

At 60, NPS lets you take up to 60% of the corpus as a tax-free lump sum and requires the rest to buy an annuity that pays a monthly pension.

Worked example

With your age of 30, monthly contribution of ₹5,000, expected return of 10%, share used to buy annuity of 40% and annuity rate of 6%:

Monthly pension₹22,793
Corpus at 60₹1,13,96,627
Lump sum you can withdraw₹68,37,976
Total contributed₹18,00,000

Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem

Questions people ask

Is the NPS lump sum taxable?

Up to 60% of the corpus withdrawn at retirement is tax-free. Annuity income is taxed at your slab rate.

What tax benefit does NPS give?

Under the old regime, an extra ₹50,000 deduction under 80CCD(1B) beyond 80C. Employer contributions under 80CCD(2) are deductible in both regimes.