What is the NPS Calculator?
The National Pension System (NPS) is a market-linked retirement scheme regulated by PFRDA. This calculator estimates the corpus you could build by retirement, then splits it into a lump sum and an annuity to show an estimated monthly pension.
Enter your monthly contribution, current age, retirement age, expected return and the annuity rate. The annuity share is editable within the range PFRDA allows for your case, and the page shows the corpus, lump sum, annuity amount, monthly pension and a year-wise growth table.
How to use it
- 1
Pick the subscriber type
Choose all citizen / corporate or government.
- 2
Enter contribution and ages
Set the monthly amount, your age and your retirement age.
- 3
Set returns
Enter the expected yearly return and the annuity rate.
- 4
Adjust the split
Set the share of the corpus to put into an annuity.
- 5
Read the result
See corpus, lump sum, annuity amount and monthly pension.
Features
Current exit rules
For all-citizen and corporate subscribers, up to 80% lump sum with at least 20% annuity at normal exit; for government subscribers, at least 40% annuity.
Editable split
Move the annuity share anywhere between the minimum and 100%.
Pension estimate
Monthly pension is the annuity amount × annuity rate ÷ 12.
Year-wise growth
A table lists your total contribution and corpus at each year end.
Popular uses
Retirement planning
See how a monthly contribution could grow by 60.
Choosing the annuity share
Compare a bigger lump sum with a bigger monthly pension.
Comparing options
Weigh NPS against PPF, EPF and SIP using the related calculators.
Frequently asked questions
How much lump sum can I take from NPS?
PFRDA's December 2025 amendment lets all-citizen and corporate subscribers take up to 80% as a lump sum at normal exit, with at least 20% in an annuity. Government subscribers can take up to 60%, with at least 40% in an annuity.
What about small corpus?
A corpus up to ₹8 lakh may be taken fully as a lump sum for non-government subscribers (₹5 lakh for government subscribers). The calculator allows a 0% annuity in those cases.
Does the calculator model early exit?
For all-citizen and corporate subscribers it applies the premature exit rule (at least 80% annuity) when retirement is before 60 and under 15 years of contributions. Government exits before superannuation are not modelled.
How is the corpus calculated?
Contributions are added at the end of each month and grow at the annual return ÷ 12. Charges, employer contributions and tax are not included.
Is the pension guaranteed?
No. NPS returns are market-linked and annuity rates vary by provider. This is an estimate only, not financial advice.