DeskTray

NPS Calculator

Estimate the corpus you will build in the National Pension System (NPS), how much you can withdraw as a lump sum and the monthly pension from the annuity.

Runs in your browser. Nothing is uploaded Free, no sign-up Works on mobile
years
years
₹
5 Thousand
%
%
At least 20% for non-government subscribers (40% for government employees)
%
Estimated monthly pension
₹22,793
Total contribution
₹18,00,000
Corpus at retirement
₹1,13,96,627
₹1.14 Cr
Lump sum you can withdraw
₹68,37,976
Used for annuity
₹45,58,651
  • Contribution (16%)
  • Returns (84%)

You contribute for 30 years. Returns are assumed constant; actual NPS returns depend on your asset mix (equity, corporate bonds, government securities).

Employee NPS contributions qualify for deduction under Section 80CCD(1) and an extra ₹50,000 under 80CCD(1B) in the old tax regime.

How to use NPS Calculator

  1. Enter your current age and the age at which you plan to exit NPS.
  2. Enter your monthly contribution and the return you expect.
  3. Set the share of the corpus that will buy an annuity and the annuity rate.
  4. See your corpus, lump sum and estimated monthly pension.

Frequently asked questions

How much of my NPS corpus can I withdraw at 60?

Under the revised exit rules, non-government subscribers with a corpus above ₹12 lakh can withdraw up to 80% as a lump sum and must use at least 20% to buy an annuity. Government sector subscribers withdraw up to 60% and annuitise at least 40%.

What return does NPS give?

Returns depend on your asset mix. Equity (scheme E) funds have returned around 10–12% a year over the long term, and government bond funds around 8–9%. Past returns do not guarantee future returns.

What tax benefits does NPS offer?

In the old regime you can claim up to ₹1.5 lakh under 80CCD(1) within the 80C limit and an extra ₹50,000 under 80CCD(1B). Employer contributions under 80CCD(2) are deductible in both regimes.

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