NPS Calculator

Plan your retirement with National Pension System and estimate your pension.

Monthly Contribution

₹

Your monthly NPS contribution.

Current Age

Your current age.

Retirement Age

Your planned retirement age.

Expected Return

Expected annual return.

Annuity %

% for annuity (min 40%).

Tax Benefits

Additional ₹50,000 deduction under 80CCD(1B) over 80C limit.

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Total Corpus at Retirement

₹ 0

Estimated monthly pension: ₹0

Invested

Total Contributed

0

Lump Sum

Tax-Free Withdrawal

0

Gains

Wealth Gained

0 Corpus Growth Over Years

Documentation

How NPS Works

National Pension System is a government-sponsored pension scheme. At retirement, you must use minimum 40% of corpus to buy an annuity for regular pension.

Withdrawal Rules

"60% lump sum (tax-free), 40% minimum annuity for monthly pension. Partial withdrawal allowed after 3 years."

Tax Benefits

80CCD(1)₹1.5 Lakh (within 80C)

80CCD(1B)₹50,000 (Additional)

Total DeductionUp to ₹2 Lakh

Last Updated: January 2026

Note: Employer contribution (80CCD2) up to 10% of salary is additionally exempt. Calculations are estimates based on assumed returns.