NPS Calculator — Free Online Calculator
National Pension. Free nps calculator with instant results.
Last updated: 2026-06-01
NPS Tax Benefits: Up to ₹1.5L under 80CCD(1) + Additional ₹50K under 80CCD(1B) + Employer's 10% under 80CCD(2)
NPS Details
₹
5.00 Thousand
₹
Max 75% in equity (Aggressive). Remaining in bonds.
₹
NPS Projection at Retirement
Total Corpus at Age 60
₹87,81,043
60% Lump Sum (Tax-Free)
₹52,68,626
Est. Monthly Pension
₹17,562
Your Investment
₹18,00,000
Returns
₹69,81,043
80CCD(1B)
₹50,000
Total Tax Benefit
₹1,10,000
At Retirement (60)
- • 60% withdrawal as lump sum (tax-free)
- • 40% must buy annuity (pension)
- • If corpus <₹5L, full withdrawal allowed
Early Exit (Before 60)
- • Minimum 10 years required
- • Only 20% as lump sum
- • 80% must buy annuity
Partial Withdrawal
- • After 3 years for specific needs
- • Max 25% of own contribution
- • Education, medical, housing, marriage
Tax on Pension
- • Monthly pension is taxable
- • Taxed as per income slab
- • Plan your withdrawals wisely
Compare with Other Retirement Options
See how NPS compares with PPF for your retirement needs.
Data sources
Rates and thresholds on this page are based on official publications. Verify against the source for your specific circumstances.
- Pension Fund Regulatory and Development Authority (PFRDA) — verified 2026-06-01 · NPS and pension scheme rules
- Central Board of Direct Taxes (CBDT) — verified 2026-06-01 · India income tax slabs and filing guidance
Results are estimates for planning purposes only. Verify important financial or health decisions with a qualified professional.