⚡ Free Online Tool

NPS Calculator

Estimate your National Pension System (NPS) corpus and monthly pension.

NPSNational Pension SystemRetirementPension
✓ 100% Free✓ No Sign-up Required
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⚠️ NPS is market-linked — this is not a guaranteed rate like PPF or SSY. 10% is a common planning assumption, not a promise.
The rate an insurance company would pay you on the portion used to buy an annuity

Projected at Age 60

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Total Contributed
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Projected Corpus
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Est. Monthly Pension
Shown using the traditional 60:40 rule (60% lump sum, tax-free; 40% must buy an annuity). PFRDA's December 2025 reform lets non-government subscribers take up to 80% as a lump sum instead (government subscribers stay on 60:40) — check the latest PFRDA circular before assuming the extra 20% is tax-free, as reporting on this is still evolving. Contributions get a deduction under Section 80CCD(1) (within the ₹1.5L 80C limit) plus an exclusive extra ₹50,000 under Section 80CCD(1B).
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Adjust settings to match exactly what you need

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Files are never uploaded to a server — processed in your browser

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How To Use

1

Enter your details

Fill in the required numbers in the calculator.

2

See instant results

The result updates automatically as you type.

3

Check the breakdown

Review the detailed breakdown shown below the result.

4

Use it as many times as you like

This calculator is free and has no usage limit.

About This Tool

NPS Calculator projects your National Pension System corpus at age 60 and the monthly pension it could generate, based on your monthly contribution and an assumed (not guaranteed) rate of return.

Frequently Asked Questions

Is this calculator free to use?

Yes, completely free with no sign-up required and no limit on how many times you can use it.

Is my data stored anywhere?

No. All calculations happen instantly in your browser — nothing is sent to any server.

Is the NPS return guaranteed?

No. NPS invests in a mix of equity, corporate bonds and government securities through PFRDA-registered fund managers, so actual returns depend on market performance.

What happens to my NPS if I don't buy an annuity?

If your total corpus at 60 is small enough (currently up to ₹8 lakh in many cases), you may be allowed to withdraw the entire amount without buying an annuity — check the latest PFRDA rules.

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