NPS Calculator

National Pension System corpus and monthly pension

₹10,000
₹
30
60
10%
%

Long-term NPS Tier-1 avg 9–11% (auto-choice, age-glided)

40%
%

Minimum 40% must buy annuity; rest is tax-free lumpsum

Corpus at Retirement
₹2,27,93,253
+₹45,587 estimated monthly pension
Invested Returns
Total Corpus₹2,27,93,253
Lumpsum (tax-free)₹1,36,75,952
Annuity Corpus₹91,17,301
Est. Monthly Pension₹45,587
What this means for you
NPS unlocks an extra ₹50,000 deduction under 80CCD(1B) — exclusive to NPS, on top of 80C. At 60: up to 60% withdrawn tax-free, ≥40% must buy annuity. Annuity income is taxed as per slab.
What to do next
Compare PPF vs EPF vs NPSRetirement corpus needed
6% annuity rate is indicative — actual depends on annuity provider chosen at retirement.
PFRDA rules; Sec 80CCD(1B) FY 2026-27
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Year-by-Year Breakdown
₹0₹1.0Cr₹2.0Cr₹3.0CrYr 1Yr 7Yr 13Yr 18Yr 24Yr 30
InvestedInvestment value
YearInvestedReturnsValue
1₹1,20,000₹6,703₹1,26,703
2₹2,40,000₹26,673₹2,66,673
3₹3,60,000₹61,300₹4,21,300
4₹4,80,000₹1,12,118₹5,92,118
5₹6,00,000₹1,80,824₹7,80,824
6₹7,20,000₹2,69,289₹9,89,289
7₹8,40,000₹3,79,583₹12,19,583
8₹9,60,000₹5,13,993₹14,73,993
9₹10,80,000₹6,75,042₹17,55,042
10₹12,00,000₹8,65,520₹20,65,520
11₹13,20,000₹10,88,510₹24,08,510
12₹14,40,000₹13,47,415₹27,87,415
13₹15,60,000₹16,45,997₹32,05,997
14₹16,80,000₹19,88,409₹36,68,409
15₹18,00,000₹23,79,243₹41,79,243
16₹19,20,000₹28,23,567₹47,43,567
17₹20,40,000₹33,26,983₹53,66,983
18₹21,60,000₹38,95,679₹60,55,679
19₹22,80,000₹45,36,491₹68,16,491
20₹24,00,000₹52,56,969₹76,56,969
21₹25,20,000₹60,65,457₹85,85,457
22₹26,40,000₹69,71,169₹96,11,169
23₹27,60,000₹79,84,287₹1,07,44,287
24₹28,80,000₹91,16,057₹1,19,96,057
25₹30,00,000₹1,03,78,903₹1,33,78,903
26₹31,20,000₹1,17,86,552₹1,49,06,552
27₹32,40,000₹1,33,54,166₹1,65,94,166
28₹33,60,000₹1,50,98,495₹1,84,58,495
29₹34,80,000₹1,70,38,043₹2,05,18,043
30₹36,00,000₹1,91,93,253₹2,27,93,253
End₹36,00,000₹1,91,93,253₹2,27,93,253
Formula & SourceNPS Calculator
Corpus = P × [((1+i)^n − 1) / i] × (1+i)
  P = monthly contribution
  i = R/12/100
  n = months till retirement

Lumpsum = Corpus × (1 − annuityPct/100)
Annuity Corpus = Corpus × annuityPct/100
Monthly Pension ≈ (Annuity Corpus × 6%) / 12
Source: PFRDA National Pension System; Section 80CCD

Frequently Asked Questions

80CCD(1) within ₹1.5L overall 80C limit. Additional ₹50,000 under 80CCD(1B) — NPS-only. Employer contribution under 80CCD(2): 14% Govt / 10% private of basic+DA.
Partial withdrawal up to 25% of self-contribution after 3 years for specified reasons. Premature exit before 60: only 20% lumpsum, 80% must buy annuity.
NPS: market-linked (9-11%), tax-advantaged, mandatory annuity. PPF: guaranteed, EEE, 15y lock-in. EPF: salaried only, 8.25%, EEE if held 5+ years.
All formulas are verified against the original government notification or Act (cited in the source line below the result). Numbers update in under a second on any input change, with no rounding-of-thousands like some competitors. For tax, slabs are sourced from the current Finance Act; for small savings, rates come from the quarterly government notification.
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Yes — every calculator is verified for FY 2026-27 (post Finance Act 2025). The "Last reviewed" stamp at the bottom of every page tells you when the math was last re-checked. If you spot an out-of-date number, write to us at /contact.
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