NPS Calculator — National Pension System Retirement Calculator
Calculate your NPS corpus at retirement, lump-sum withdrawal (60%), annuity fund (40%), and estimated monthly pension. Plan your retirement today.
Calculator Inputs
Total Invested₹15.00 L
Total Corpus at 60₹66.89 L
Lump Sum (60%)
₹40.14 L
Tax-Free
Annuity (40%)
₹26.76 L
For Pension
Est. Monthly Pension
₹13,379
Based on 6% annuity rate
Frequently Asked Questions
NPS (National Pension System) is a government-sponsored pension scheme available to all Indian citizens aged 18–70. You contribute monthly during your working years and at retirement receive 60% as a tax-free lump sum and 40% is used to buy an annuity for monthly pension.
NPS Tier-I equity funds have historically delivered 10–14% CAGR over 10+ years. The exact return depends on your asset allocation (equity vs. government bonds vs. corporate bonds) and the fund manager.
NPS offers additional tax deduction of ₹50,000 under Section 80CCD(1B) over and above the ₹1.5 lakh limit under 80C. Employer contributions up to 10% of salary are also deductible under 80CCD(2).
Partial withdrawal from NPS is allowed after 3 years for specific purposes (children's education, marriage, house purchase, illness) — up to 25% of your contributions. Full withdrawal before 60 years requires purchasing an 80% annuity.
NPS is specifically designed for retirement with tax benefits and pension income; SIP is more flexible. NPS works well for the additional ₹50,000 80CCD tax deduction. For long-term wealth, combining both — NPS for tax efficiency and SIP for flexibility — is ideal.