# Free National Pension System Calculator

> Estimate NPS corpus and monthly pension at retirement. Free, no sign-up, by Staff Khata.

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 At retirement up to 60% can be withdrawn tax-free and at least 40% must buy an annuity that pays a monthly pension.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.

## Inputs

- Monthly NPS Contribution (₹)
- Current Age
- Retirement Age
- Expected Annual Return (%)
- Annuity Purchase % (Min 40%)
- Annuity Rate (%)

## 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.

Use the calculator: https://staffkhata.com/free-tools/national-pension-system-calculator