NPS Calculator

NPS splits your retirement corpus into a tax-free lump sum and a mandatory annuity. See both halves clearly.

NPS calculator

Current age28

Monthly contribution₹5,000

Expected annual return10%

Annuity purchase (min. 40%)40%

Expected annuity rate6%

Corpus at 60

₹0

projected total NPS corpus.

Lump sum withdrawal₹0
Annuity corpus₹0
Est. monthly pension₹0

Returns are market-linked, not guaranteed. Up to 60% of the corpus can usually be withdrawn tax-free; the rest must buy an annuity for a monthly pension.

How this works

This projects your NPS corpus at 60 based on monthly contributions and expected market-linked returns, then splits it into your tax-free lump sum withdrawal and the portion that must buy an annuity — plus an estimated resulting monthly pension.

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