NPS Calculator

National Pension System corpus at retirement, the monthly pension from the annuity, and the lump sum.

₹5,000
30 years
60 years
10%
40%
6%

Corpus at retirement

₹1,13,96,627

Monthly pension

₹22,793

Lump sum

₹68,37,976

Total contributed

₹18,00,000

Your result

Contributing ₹5,000 a month from age 30 to 60 at an expected 10% builds an NPS corpus of about ₹1,13,96,627. Using 40% for an annuity at 6% gives a pension of about ₹22,793 a month, plus a lump sum of ₹68,37,976.

Show year-by-year table
AgeContributedCorpus
31₹60,000₹63,351
32₹1,20,000₹1,33,337
33₹1,80,000₹2,10,650
34₹2,40,000₹2,96,059
35₹3,00,000₹3,90,412
36₹3,60,000₹4,94,645
37₹4,20,000₹6,09,792
38₹4,80,000₹7,36,996
39₹5,40,000₹8,77,521
40₹6,00,000₹10,32,760
41₹6,60,000₹12,04,255
42₹7,20,000₹13,93,708
43₹7,80,000₹16,02,998
44₹8,40,000₹18,34,205
45₹9,00,000₹20,89,621
46₹9,60,000₹23,71,783
47₹10,20,000₹26,83,492
48₹10,80,000₹30,27,840
49₹11,40,000₹34,08,245
50₹12,00,000₹38,28,485
51₹12,60,000₹42,92,728
52₹13,20,000₹48,05,584
53₹13,80,000₹53,72,143
54₹14,40,000₹59,98,028
55₹15,00,000₹66,89,452
56₹15,60,000₹74,53,276
57₹16,20,000₹82,97,083
58₹16,80,000₹92,29,247
59₹17,40,000₹1,02,59,022
60₹18,00,000₹1,13,96,627

About the NPS Calculator

An NPS calculator estimates your National Pension System corpus at retirement and the pension it can buy. ₹5,000 a month from age 30 to 60 at 10% builds about ₹1,13,96,627. Putting 40% into an annuity at 6% pays about ₹22,793 a month.

How it is calculated

Corpus after each month = (previous corpus + this month's contribution) × (1 + i)

  • i is the monthly rate: the expected annual return ÷ 12 ÷ 100.
  • Monthly pension = annuity corpus × annuity rate ÷ 12.
  • Lump sum = corpus − annuity corpus.

Worked example

Inputs: ₹5,000 a month from 30 to 60, 10% return, 40% annuity at 6%.

Result: Corpus ₹1,13,96,627, pension ₹22,793 a month, lump sum ₹68,37,976.

Open this example in the calculator

Rules and assumptions

  • Since December 2025, non-government subscribers can take up to 80% of the corpus as a lump sum at exit and must use at least 20% for an annuity. Smaller corpuses have more flexible rules. Government employees still use at least 40% for an annuity.
  • NPS returns depend on your asset mix and are not guaranteed. Annuity rates depend on the insurer and plan at the time you buy.
  • Under the old regime, an extra ₹50,000 of your own contribution is deductible under Section 80CCD(1B). Employer contributions under 80CCD(2) are deductible in both regimes, within limits.

Frequently asked questions

How much pension will I get from NPS?

It depends on your corpus, the share you use for an annuity and the annuity rate. Monthly pension = annuity corpus × annuity rate ÷ 12.

How much can I withdraw from NPS at 60?

Non-government subscribers can withdraw up to 80% as a lump sum under the rules in force since December 2025; at least 20% must buy an annuity. Government employees can withdraw up to 60%.

What return does NPS give?

Returns vary by fund manager and asset mix. Equity-heavy choices have historically returned more over long periods, but nothing is guaranteed.

Is the NPS lump sum taxable?

A lump sum of up to 60% of the corpus at retirement is tax-free under the Income-tax Act. Check the current rules for any withdrawal above 60%. Annuity income is taxed at your slab rate.