Free National Pension System Calculator
Estimate NPS corpus and monthly pension at retirement.
Quick answer
NPS corpus at 60 = monthly contribution compounded at your expected return. At retirement up to 60% can be withdrawn tax-free and at least 40% must buy an annuity that pays a monthly pension. Example: ₹5,000 a month from age 30 to 60 at 10% builds about ₹1.1 crore; 40% in an annuity at 6% pays about ₹22,600 a month.
Last reviewed November 2026.
How to use the National Pension System Calculator
Fill in these fields and the national pension system calculator works out the rest instantly, in your browser:
- Monthly NPS Contribution (₹)
- Current Age
- Retirement Age
- Expected Annual Return (%)
- Annuity Purchase % (Min 40%)
- Annuity Rate (%)
Worked example
With Monthly NPS Contribution: 5000; Current Age: 30; Retirement Age: 60; Expected Annual Return: 10; Annuity Purchase %: 40; Annuity Rate: 6:
| Total NPS Corpus | ₹1,13,96,627 |
| Lump Sum Withdrawal (60%) | ₹68,37,976 |
| Annuity Purchase (40%) | ₹45,58,651 |
| Estimated Monthly Pension | ₹22,793 |
| Investment Tenure | 30 years |
Minimum 40% of corpus must be used to purchase annuity. Lump sum withdrawal is tax-free.
Frequently asked questions
What tax benefits does NPS give?
Old regime: up to ₹1.5 lakh under 80CCD(1) within 80C, plus an extra ₹50,000 under 80CCD(1B). In both regimes, employer contribution is deductible under 80CCD(2) up to 14% of basic + DA in the new regime and 10% in the old regime.
Can I withdraw NPS before 60?
Partial withdrawal of up to 25% of your own contributions is allowed after 3 years for specific reasons such as children's education, marriage, a house or medical treatment.
Calculators
Indian payroll & tax calculators with real formulas · 41 tools
Generators
Professional letters, slips & HR documents · 10 tools
Templates
Print-ready forms & downloadable templates · 6 tools
Safety & Ops
Workplace safety checklists & incident forms · 8 tools
HR Docs
HR policies, checklists & compliance docs · 9 tools
Ready to Automate Your HR?
These free tools are just the beginning. StaffKhata's full HRMS automates payroll, attendance, compliance and more — saving you hours every week.