Calculate your NPS retirement corpus and monthly pension. See total wealth created, tax-free lumpsum, and monthly annuity income at retirement.
Calculate your NPS retirement corpus and monthly pension. See total wealth created, tax-free lumpsum, and monthly annuity income at retirement.
Equity NPS avg ~10-12%
Typical annuity: 5-7%
Min 40% mandatory
Total NPS Corpus
₹2,27,93,253
At age 60
Monthly Pension
₹45,587
40% of corpus @ 6%
Lumpsum (Tax-Free)
₹1,36,75,952
60% of corpus
Wealth Created
₹1,91,93,253
Invested: ₹36,00,000
NPS Tax Benefits
Section 80CCD(1)
Employee/self contribution up to 10% of salary
Section 80CCD(1B)
Additional contribution over 80C — unique to NPS
Section 80CCD(2)
Employer contribution — entirely above 80C
Total maximum deduction via NPS: up to ₹2 lakh (old regime). Note: 60% lumpsum is tax-free; annuity income is taxed at slab rate.
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Age 30 → 60, Monthly ₹10,000, Existing ₹0, Return 10%, Annuity 40% @ 6%
Graphical view
Age 35 → 60, Monthly ₹15,000, Existing ₹3,00,000, Return 11%, Annuity 40% @ 6.5%
Graphical view
HOW IT WORKS
Input current age, retirement age, and monthly NPS contribution.
Enter expected NPS return and annuity purchase rate (minimum 40% mandatory).
See total corpus, monthly pension, tax-free lumpsum, and NPS tax benefit summary.
FAQ
60% of the NPS corpus at maturity is completely tax-free. The remaining 40% must be used to buy an annuity plan — the monthly pension from this annuity is taxed at your slab rate.
PFRDA mandates that at least 40% of NPS corpus must be used to purchase an annuity at retirement. The remaining 60% can be withdrawn as tax-free lumpsum.
Section 80CCD(1B) allows an additional ₹50,000 deduction over and above the ₹1.5 lakh 80C limit — exclusive to NPS. This makes NPS highly tax-efficient for salaried individuals in high tax brackets.
Most financial advisors recommend 75% equity (Tier 1, Scheme E) for those under 50. After 50, PFRDA auto-reduces equity allocation by 2.5% per year in the Lifecycle Fund option. Choose an Active Choice for more control.
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