What is an NPS Calculator?
An NPS Calculator estimates the corpus you could build in the National Pension System by retirement, how much you can withdraw as a lump sum, and the monthly pension from the annuity part.
At retirement, at least 40% of the NPS corpus must be used to buy an annuity, which pays a monthly pension. The rest can be withdrawn. Returns depend on the fund mix you choose and are not fixed.
How to use the NPS Calculator
- Enter monthly contribution.
- Enter current age.
- Enter retirement age.
- Enter expected return rate.
- Enter share of corpus used to buy annuity.
- Enter expected annuity rate.
- Tap Calculate to see the result.
- Tap Reset to clear the fields and try again.
Who should use it
- Salaried and self-employed people planning retirement
- Government employees checking NPS outcomes
- Anyone comparing NPS with PPF or mutual funds
Key terms
- Monthly contribution
- The amount you put in every month.
- Annuity share
- The part of the corpus used to buy a pension, at least 40%.
- Annuity rate
- The yearly rate an insurer pays on the annuity amount.
- Lump sum
- The part of the corpus you can withdraw at retirement.
Frequently asked questions
How much of NPS can I withdraw at 60?
Up to 60% as a lump sum. At least 40% buys an annuity.
Is NPS tax-free?
The lump sum withdrawal is tax-free. Annuity income is taxed as income.
Are NPS returns guaranteed?
No. They depend on the market and the funds you choose.
Can I get an extra tax deduction for NPS?
Under the old regime, up to ₹50,000 under section 80CCD(1B).
Is my data stored?
No. Everything you enter stays in your browser and is cleared when you close the page.
Last updated: 1 November 2026