NPS Calculator

Retirement corpus · Monthly pension · Lump sum withdrawal · Tax savings · Smart Insights

No data saved Live results FY 2026-27
NPS Details
25 yrs
Age must be 18–65
Please enter your current age
60 yrs
Retirement age must be greater than current age
Please enter retirement age
₹5,000
Minimum contribution is ₹500/month
Please enter a monthly contribution
10.0% p.a.
Rate must be 5%–18%
Please enter an expected return rate
✦ NPS equity allocation (Tier-I) has historically returned 10–14% p.a. over long periods.
Annuity & Pension Settings
40%
✦ Minimum 40% of corpus must be used for annuity purchase as per NPS rules. Balance is tax-free lump sum.
6.0% p.a.
✦ Annuity rates offered by insurance companies (LIC, SBI Life, etc.) typically range between 5–8% p.a.
NPS Breakdown
Total Invested
Estimated Returns
Lump Sum (Tax-free)
Annuity Corpus
NPS Summary
Total Retirement Corpus Loading…
₹ 0
Monthly Pension
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from annuity corpus
Tax-free Lump Sum
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at retirement
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Total Invested
₹0
Estimated Returns
₹0
Total Corpus
₹0
Annuity Corpus
₹0
Lump Sum (Tax-free)
₹0
Monthly Pension
—
Wealth Multiplier
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Tax Savings (FY 2026-27)
Under Sec 80CCD(1)
₹0
Under Sec 80CCD(1B)
₹0
Invested vs Returns vs Annuity
0% Returns
Total Invested₹0
Estimated Returns₹0
Annuity Corpus₹0
Lump Sum (Tax-free)₹0

Disclaimer: NPS tax rules are as per FY 2026-27. Under Sec 80CCD(1), deduction up to 10% of salary (max ₹1.5L within 80C limit); under Sec 80CCD(1B), additional ₹50,000. At retirement, 60% lump sum withdrawal is tax-free; 40% minimum must be used for annuity purchase. Returns shown are illustrative estimates. Actual returns depend on chosen fund and market performance. Consult your financial advisor for personalized advice.