Worked Example: ₹5,000/month NPS for 25 years at 10%
Inputs
- Monthly Contribution₹5,000
- Expected Return10% p.a.
- Years to Retirement25
Results
- Corpus at 60~₹66 lakh
- Lump Sum (60%)~₹40 lakh
- Annuity Corpus (40%)~₹26 lakh
At maturity, up to 60% can be withdrawn tax-free; the rest must buy an annuity. Employer contributions add extra corpus.
How NPS Calculator Works
Enter monthly NPS contribution, expected return, current age, and retirement age to estimate corpus and annuity pension.
Frequently Asked Questions
What is NPS?
NPS is a government-sponsored pension scheme for Indian citizens aged 18-70.
How much can I withdraw from NPS at retirement?
Up to 60% can be withdrawn lump sum; minimum 40% must be used to buy an annuity.
Disclaimer
- This calculator gives you an estimate only. It is not a promise of exact results.
- This is general information, not personal financial, tax, or legal advice.
- You are responsible for your own decisions. Talk to a qualified professional when it matters.
- Pension and retirement rules vary by country and employer. Plans can change over time.
- Indian tax and government scheme rules can change each financial year. Please confirm with official sources or a chartered accountant (CA).