NPS Calculator
Free NPS calculator to estimate your National Pension System corpus, tax-free lump sum, annuity and monthly pension — worked out in your browser.
At retirement you could build a corpus of ₹2,27,93,253.
Corpus per year
Estimates only, assuming monthly compounding and constant rates. At least 40% of the corpus must buy an annuity; the lump-sum (up to 60%) is tax-free under Section 10(12A), but the annuity pension is taxable as income. Returns and annuity rates are not guaranteed.
Frequently asked questions
How much of my NPS corpus must I use to buy an annuity?
Under current NPS rules, at least 40% of the accumulated corpus must be used to purchase an annuity that provides your monthly pension. The remaining up to 60% can be withdrawn as a lump sum, which is tax-free. The calculator enforces this 40% minimum and lets you raise the annuity share up to 100%.
How is the monthly pension estimated?
The annuitised amount is multiplied by the expected annuity rate and divided by 12. For example, an annuitised corpus of Rs 91,17,301 at a 6% annuity rate gives roughly Rs 45,587 per month. The actual pension depends on the annuity plan and rates offered by the chosen insurer at retirement.
Is my retirement and salary data uploaded?
No. Your contributions and expected returns are processed in your browser only and never leave your device.
Related tools
Read the guide: How Is Your NPS Corpus and Pension Calculated?
Results are estimates for illustration only and not financial advice.