National Pension System is a retirement scheme with market-linked contributions, a lumpsum option at exit, and mandatory annuity purchase for part of the corpus.

How much lumpsum can I take at retirement?

Typically up to 60% as lumpsum; at least 40% must buy an annuity (rules can vary by exit type — verify current PFRDA norms).

What returns should I expect?

NPS equity/corporate/govt mixes historically differ. Enter a blended expected return; actual NAV performance will vary.

What is the extra ₹50,000 tax benefit?

Section 80CCD(1B) can allow additional deduction up to ₹50,000 over the general 80C limit, subject to conditions.

Is the pension estimate guaranteed?

No. Annuity rates at retirement depend on insurers and interest rates then. This tool uses your assumed annuity rate.

NPS Calculator

Project your National Pension System corpus, optional employer match, retirement lumpsum (up to 60%), and estimated monthly pension.

NPS Details

Current Age30 yrs

18 yrs70 yrs

Retirement Age60 yrs

40 yrs75 yrs

Your Monthly Contribution₹5,000

₹500₹1,00,000

Employer Contribution / month₹0

₹0₹1,00,000

Expected Return (p.a.)10%

6%15%

Existing NPS Corpus₹0

₹0₹1.00 Cr

Lumpsum at Retirement60%

0%60%

Max 60% lumpsum; at least 40% must buy an annuity.

Annuity Rate (p.a.)6%

4%8%

Corpus at Retirement

30 years · age 60

₹1,13,96,627

Total Invested₹18,00,000

Wealth Gained₹95,96,627

Lumpsum Withdrawal₹68,37,976

Annuity Corpus₹45,58,651

Estimated monthly pension

₹22,793

Based on 6% annuity on ₹45,58,651

60%split

Corpus Growth by Age

Invested Total Value

Year-wise Snapshot

Year	Age	Invested	Corpus
5	35	₹3,00,000	₹3,90,412
10	40	₹6,00,000	₹10,32,760
15	45	₹9,00,000	₹20,89,621
20	50	₹12,00,000	₹38,28,485
25	55	₹15,00,000	₹66,89,452
30	60	₹18,00,000	₹1,13,96,627

Next Steps

Turn these numbers into action.

PPF Calculator

Compare guaranteed tax-free PPF with market-linked NPS.

Retirement Calculator

Estimate the full corpus you need for retirement expenses.

Income Tax Calculator

Check additional 80CCD(1B) benefit up to ₹50,000.

About NPS Calculator

The National Pension System (NPS) calculator estimates how contributions may grow into a retirement corpus, then splits an illustrative lumpsum versus annuity portion and a sample monthly pension. Rules on exit and annuity purchase are set by PFRDA and can change — always confirm before you decide.

What NPS is

NPS is a market-linked retirement scheme with equity, corporate bond, and government securities options (and lifecycle funds). At exit, a portion typically must buy an annuity; the rest may be withdrawn as lumpsum subject to prevailing norms.

How this calculator works

Enter contribution, expected return, years to exit, and annuity percentage. Review projected corpus, withdrawable lumpsum, and an illustrative pension using a simple annuity-rate assumption.

Assumptions and limitations

Annuity rates at your retirement date are unknown today. Equity allocation and fund choice drive real NAV paths. Tax treatment (including 80CCD benefits) depends on your regime and current law — use the Tax calculator for regime context, not as filing advice.

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Frequently Asked Questions

What is NPS?: National Pension System is a retirement scheme with market-linked contributions, a lumpsum option at exit, and mandatory annuity purchase for part of the corpus.
How much lumpsum can I take at retirement?: Typically up to 60% as lumpsum; at least 40% must buy an annuity (rules can vary by exit type — verify current PFRDA norms).
What returns should I expect?: NPS equity/corporate/govt mixes historically differ. Enter a blended expected return; actual NAV performance will vary.
What is the extra ₹50,000 tax benefit?: Section 80CCD(1B) can allow additional deduction up to ₹50,000 over the general 80C limit, subject to conditions.
Is the pension estimate guaranteed?: No. Annuity rates at retirement depend on insurers and interest rates then. This tool uses your assumed annuity rate.