NPS calculator

NPS corpus, lumpsum and monthly pension.

Total corpus at 60

₹1,13,02,440

₹1.13 crore

after 30 years

Total investment: ₹18,00,000
Interest earned: ₹95,02,440
Lumpsum you can withdraw: ₹67,81,464
Expected monthly pension: ₹22,605

Up to ₹50,000 a year in NPS is deductible under 80CCD(1B) in the old regime, over and above 80C. Your employer's NPS contribution is deductible under 80CCD(2) in both regimes.

Annuity (40%)₹45,20,976
Lumpsum withdrawal₹67,81,464

NPS corpus by age

What this calculates

The National Pension System is a market-linked retirement scheme. At 60 you can withdraw up to 60% as a lumpsum; at least 40% buys an annuity that pays a monthly pension.

How it's calculated

Corpus = P × [(1 + i)ⁿ − 1] ÷ i

Pension = Annuity amount × annuity rate ÷ 12

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

Contributions get deductions under 80C and 80CCD(1B) in the old regime, and 80CCD(2) for employer contributions in both. The 60% lumpsum is tax-free; the pension is taxed as income.

It depends on your equity share. A long-run 8–10% is a common planning assumption for mixed allocations.

NPS calculator

What this calculates

How it's calculated

Questions about this tool

How is NPS taxed?

What return should I expect?

NPS calculator

What this calculates

How it's calculated

Questions about this tool

How is NPS taxed?

What return should I expect?