NPS Calculator

Estimate your National Pension System retirement corpus, lump-sum payout, and monthly pension under Section 80CCD.

Contribution Parameters

Monthly Contribution₹5,000
₹500₹1,00,000

Investment Duration

30 Years

360 monthly contributions

Tax Deduction — Up to ₹2 Lakh/Year

NPS offers ₹1.5L under Sec 80C + additional ₹50,000 exclusively under Sec 80CCD(1B). The 60% lump sum at retirement is fully tax-free.

Total Invested

₹18,00,000

Total Growth

₹95,96,627

Retirement Corpus

₹1,13,96,627

Monthly Pension

₹22,793

Corpus Split at Retirement

Lump Sum (60%)
₹68,37,976
Annuity Corpus (40%)
₹45,58,651
60%
40%

Investment vs Returns

16% invested
84% growth

Estimated Monthly Pension

₹22,793

Based on 6% annuity rate on ₹45,58,651 annuity corpus

Market-linked growth with government-regulated safety.

How NPS Compounding Works

NPS invests across Equity (E), Corporate Bonds (C), and Government Securities (G) based on your chosen allocation. The auto-choice lifecycle fund automatically reduces equity exposure as you age. Over 30+ years, even a moderate 10% return can multiply your corpus 10× or more.

Frequently Asked Questions

What is NPS (National Pension System)?

NPS is a government-sponsored retirement savings scheme open to all Indian citizens. It invests in a mix of equity, corporate bonds, and government securities. On retirement, you can withdraw 60% as lump sum (tax-free) and must use 40% to buy an annuity for monthly pension.

How is NPS corpus calculated?

Your monthly contributions are compounded at your expected return rate until retirement age. The total corpus is split: 60% lump sum + 40% annuity corpus. The monthly pension is estimated from the annuity corpus at the annuity rate you select.

What tax benefits does NPS offer?

NPS offers up to ₹1.5 lakh deduction under Sec 80C and an additional ₹50,000 under Sec 80CCD(1B) — a total of ₹2 lakh in tax deductions per year, making it one of the most tax-efficient retirement products in India.

Can I withdraw from NPS before retirement?

Partial withdrawal is allowed after 3 years for specific purposes (medical, education, home purchase). Full withdrawal before age 60 requires using 80% of corpus for annuity purchase. Normal exit at age 60 allows 60% lump sum + 40% annuity.