NPS Calculator

Project your National Pension Scheme corpus, lump-sum withdrawal, and monthly pension at retirement. Adjustable annuity share and rate.

Inputs

%
%
%

Result at age 60

Total corpus
₹ 2,27,93,253
360 months of contribution
Lump-sum withdrawal
₹ 1,36,75,952
60% of corpus, tax-free up to ₹60% under sec 10(12A)
Monthly pension
₹ 45,587
At 6% annuity p.a.
Total contribution
₹ 36,00,000
Wealth gain
₹ 1,91,93,253
Corpus − contribution
Annuity corpus
₹ 91,17,301
40% locked into pension
NPS withdrawals are governed by PFRDA. Up to 60% lump-sum is currently tax-exempt under Section 10(12A); the annuity income is taxable as per slab. Confirm rules at withdrawal — the regulator updates them periodically.

Features

  • Monthly contribution + return assumption

  • Adjustable annuity share (min 40%)

  • Adjustable annuity rate

  • Lump-sum + monthly pension at retirement

  • Section 10(12A) note

Perfect For

Salaried employees with NPS

Project your retirement corpus to plan top-up contributions under Tier I or Tier II.

Tax planners considering 80CCD

See the long-term effect of additional NPS contributions beyond 80C.

Anyone planning retirement income

Compare NPS pension with PPF or mutual-fund SWP scenarios.

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