NPS Calculator
Estimate your NPS corpus at 60, the tax-free lump sum and monthly pension from the annuity. Adjust returns and annuity share.
- Free, no limits
- Runs in your browser
- No sign-up
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How to use the NPS Calculator
- Enter your monthly contribution and age.
- Set expected return, annuity share (min 40%) and annuity rate.
- See corpus, lump sum and monthly pension.
Frequently asked questions
How much NPS can I withdraw at 60?
Up to 60% of the corpus tax-free; at least 40% must buy an annuity that pays a monthly pension.
What return should I assume?
Equity-heavy NPS schemes have historically returned 9–12% a year, but returns are market-linked and not guaranteed.
Is the pension taxable?
Yes, annuity income is taxed as per your slab.
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