NPS Calculator
Estimate your National Pension System corpus, lump sum and monthly pension at retirement.
Result
How to use
- 1
Enter your monthly contribution, age and expected return.
- 2
Choose how much of the corpus goes into an annuity and the annuity rate.
- 3
See your corpus, tax-free lump sum and estimated monthly pension.
Questions
How much can I withdraw at 60?
Under PFRDA's exit rules amended in December 2025, non-government subscribers (All Citizen and Corporate models) must put at least 20% of the corpus into an annuity and can take up to 80% as a lump sum. Government employees must still annuitise at least 40%. If the corpus is ₹8 lakh or less, all of it can be withdrawn.
Is the NPS return guaranteed?
No. NPS is market-linked; returns depend on your mix of equity, corporate bonds and government securities. The annuity rate depends on the insurer and plan you pick at retirement.
Is the pension taxable?
Yes. The monthly annuity (pension) is added to your income and taxed at your slab rate.
About this NPS tool
NPS Calculator — Estimate your National Pension System corpus, lump sum and monthly pension at retirement. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter your monthly contribution, age and expected return.
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Results are estimates to help you plan. They are not financial, tax or medical advice.