NPS Calculator
National Pension System · Tier 1 · Retirement Corpus · Monthly Pension
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Your Details
Current Age30 Years
1859
Monthly Contribution₹5,000
₹500₹1L
Expected Return10%
6%14%
Annuity Rate6%
4%9%
Or Enter Manually
Current Age
Monthly (₹)
Return (%)
Annuity (%)
Annuity Purchase
Subscriber Type
Non-Govt Min 20% annuity
Government Min 40% annuity
20% (min, non-govt)
40% (min, govt)
60%
80%
100%
Non-govt subscribers: minimum 20% annuity, up to 80% lump sum (PFRDA, Dec 2025). Govt employees: minimum 40%. Only 60% of the corpus is tax-free; tax on the extra 20% lump sum is not settled — verify.
Total Corpus at 60
₹0
calculating...
Lump Sum at 60
₹0
Tax-free up to 60% of corpus
Monthly Pension
₹0
Annuity income
Total Invested
₹0
Your contributions
Wealth Gained
₹0
Corpus − Invested
NPS Summary
Investment Period0 years
Monthly Contribution₹0
Expected Return0%
Total Invested₹0
Annuity Purchase (20% min)40%
Annuity Corpus₹0
Tax-free Lump Sum (60% cap)₹0
Monthly Pension₹0
Total Corpus₹0
80CCD Tax Benefit (s.124, old 80CCD): Old regime — up to ₹1.5L under 80C + additional ₹50,000 under 80CCD(1B) = ₹2,00,000/year, plus employer NPS up to 10% of Basic+DA. New regime (default) — only employer contribution under 80CCD(2), up to 14% of Basic+DA.
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Frequently Asked Questions
NPS (National Pension System) is a government-sponsored retirement savings scheme open to Indian citizens aged 18–70 at joining; under the December 2025 PFRDA rules you can stay invested up to age 85. It has two tiers: Tier 1 (primary, lock-in till 60) and Tier 2 (voluntary, no lock-in). Central and state government employees are mandatorily enrolled.
Old tax regime: ₹1.5L under Section 80CCD(1) within the 80C limit + an additional ₹50,000 under Section 80CCD(1B) (now s.124 of the Income-tax Act 2025), plus employer contributions up to 10% of Basic+DA under 80CCD(2). New tax regime (default for FY 2026-27): only the employer contribution under 80CCD(2) is deductible, up to 14% of Basic+DA (within the ₹7.5L aggregate employer-contribution cap); your own contributions get no deduction.
At exit (age 60), non-government subscribers must use at least 20% of the corpus to buy an annuity and can withdraw up to 80% as a lump sum (PFRDA amendment, December 2025); a corpus up to ₹8 lakh can be withdrawn fully, and ₹8–12 lakh allows up to ₹6 lakh as lump sum. Government employees must still annuitise at least 40%. Only 60% of the corpus is tax-free; the tax treatment of the extra 20% lump sum is not settled — verify before you withdraw.
Yes. Partial withdrawal (up to 25% of own contributions) is allowed after 3 years for specific purposes — higher education, home purchase, critical illness, or business startup. Premature exit before 60: if the corpus is up to ₹5 lakh it can be withdrawn fully; otherwise 80% must be annuitised and 20% can be taken as lump sum.
PFRDA-registered fund managers include SBI, LIC, UTI, Kotak, HDFC, ICICI, Aditya Birla, and Axis. Historically, Tier 1 equity (E) schemes have delivered 12–15% CAGR. You can switch fund managers once per year for free.