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BBI

🏅 NPS Calculator

An NPS (National Pension System) calculator estimates your retirement corpus and monthly pension from your NPS contributions. Enter your monthly contribution, current age, and expected return to see projected corpus, lump sum (60%), annuity portion (40%), and estimated monthly pension at retirement.

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NPS details

NPS corpus at age 60

₹1,13,02,439.62

You invest ₹18,00,000.00 over 30 years at 10% expected return

Tax-free lump sum

₹67,81,463.77

Annuity purchase (40%)

₹45,20,975.85

Est. monthly pension

₹22,604.88

At exit, a minimum of 40% of your NPS corpus must be used to buy an annuity that pays a monthly pension; the remaining lump sum (up to 60%) can be withdrawn tax-free.

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Frequently asked questions

What is NPS and who can invest?▾
NPS (National Pension System) is a government-backed retirement savings scheme regulated by PFRDA. Any Indian citizen aged 18–70 can open an NPS account. Returns depend on your chosen asset allocation across equity, corporate bonds, and government securities.
What are NPS returns?▾
NPS returns depend on your fund and asset allocation. Equity (E) funds have historically returned 10–12% CAGR. Corporate bonds (C) return ~8–9% and government securities (G) return ~7–8%. Active and auto-choice plans are available.
How much can I withdraw from NPS at retirement?▾
At age 60 (normal retirement), you can withdraw 60% of the corpus as a tax-free lump sum. The remaining 40% must be used to purchase an annuity that pays monthly pension. Partial withdrawals are permitted after 3 years for specific purposes.
What are the tax benefits of NPS?▾
NPS offers tax deduction under Section 80CCD(1) up to 10% of salary (within ₹1.5L 80C limit), plus an additional ₹50,000 deduction under 80CCD(1B). The 60% lump sum withdrawal at maturity is completely tax-free.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.

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