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How to use NPS Calculator

Enter your monthly contribution, expected return, current age and annuity rate. The calculator shows the corpus, tax-free lumpsum and monthly pension.

Frequently asked questions

How is the NPS corpus calculated?

Monthly contributions compound at your expected return until retirement using the annuity future-value formula, building the total corpus available at age 60.

How much of the NPS corpus is tax-free?

At maturity you can withdraw up to 60% of the corpus tax-free as a lumpsum; the remaining 40% must buy an annuity that pays your monthly pension.

How is the monthly pension estimated?

The annuity portion is multiplied by an assumed annuity rate to estimate monthly pension. Actual pension depends on the annuity plan and prevailing rates.

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