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

Estimate NPS corpus, lumpsum versus annuity split, and illustrative monthly pension.

How it works

Enter contribution, return, years and annuity %. Review corpus, withdrawable lumpsum and pension estimate.

Practical tips

Equity allocation when young can raise expected corpus; glide toward safer funds near retirement.

Important to know

Annuity rates at retirement are unknown today — treat pension as a scenario.

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.