NPS Calculator IN
Estimate your National Pension System (NPS) corpus at retirement, the lump sum and your monthly pension.
Rates shown are current as of FY 2025-26; figures are estimates. Confirm details with the scheme provider.
How it works
Enter your age, planned retirement age, monthly contribution and an expected return. The calculator compounds your contributions to retirement, then splits the corpus into the lump sum you can withdraw and the annuity portion that funds your monthly pension.
Frequently asked questions
Does NPS give a fixed return?
No. NPS is market-linked; returns depend on your chosen asset mix and market performance, so projections use an assumed rate.
What is the difference between Tier I and Tier II?
Tier I is the retirement account locked until 60; Tier II is a voluntary account you can withdraw from at any time.
How much can I withdraw at 60?
Up to 60% as a tax-free lump sum; at least 40% of the corpus must be used to buy an annuity for your pension.
What tax benefit does NPS offer?
An additional deduction of up to ₹50,000 under Section 80CCD(1B), beyond the ₹1.5 lakh limit of Section 80C.
Can I choose how my money is invested?
Yes — through Active Choice you set the equity/bond/government-security mix, or Auto Choice adjusts it by age.
What is the minimum contribution?
A Tier I account generally needs a minimum of ₹1,000 a year to stay active.
National Pension System (NPS) Calculator
The NPS is a voluntary, market-linked retirement scheme regulated by the PFRDA. Your contributions are invested in a mix of assets and grow until retirement, when part becomes a pension.
Returns are not fixed
Unlike EPF or POMIS, NPS has no guaranteed rate — returns depend on your fund choice across equity (E), corporate bonds (C), government securities (G) and alternatives (A), and on market performance. The calculator uses an assumed return you can adjust.
Tier I and Tier II
Tier I is the main retirement account (locked until 60); Tier II is a voluntary, flexible account you can withdraw from anytime.
At retirement
From age 60 you can take up to 60% as a tax-free lump sum; at least 40% must buy an annuity that pays your pension. NPS also offers an extra ₹50,000 tax deduction under Section 80CCD(1B), over and above 80C.
Scheme rates and limits are revised periodically by the authorities; confirm the current figures on the official portal before investing.
Results are estimates for general guidance in India and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.