NPS Calculator
Your National Pension System corpus, lump sum and monthly pension
Your NPS at Exit
- Contributions₹39,86,331(22%)
- Returns₹1,39,78,774(78%)
Year by year
| Age | Monthly contribution | Contributed so far | Corpus |
|---|---|---|---|
| 31 | ₹5,000 | ₹60,000 | ₹63,351 |
| 32 | ₹5,250 | ₹1,23,000 | ₹1,36,504 |
| 33 | ₹5,513 | ₹1,89,150 | ₹2,20,643 |
| 34 | ₹5,788 | ₹2,58,608 | ₹3,17,084 |
| 35 | ₹6,078 | ₹3,31,538 | ₹4,27,291 |
| 36 | ₹6,381 | ₹4,08,115 | ₹5,52,888 |
| 37 | ₹6,700 | ₹4,88,521 | ₹6,95,680 |
| 38 | ₹7,036 | ₹5,72,947 | ₹8,57,668 |
| 39 | ₹7,387 | ₹6,61,594 | ₹10,41,076 |
| 40 | ₹7,757 | ₹7,54,674 | ₹12,48,369 |
- 1Enter your contributionMonthly amount and yearly raise
- 2Set ages and returnsAnd how much to take as a lump sum
- 3See corpus and pensionLump sum plus monthly annuity
How is NPS pension calculated?
Your contributions grow until exit. Then part of the corpus can be withdrawn as a lump sum and the rest must buy an annuity, which pays a monthly pension for life.
Corpus = value of monthly contributions at the expected return
Pension per month = annuity amount × annuity rate ÷ 12
New exit rules (December 2025)
For non-government subscribers, PFRDA now allows up to 80% of the corpus as a lump sum when it's above ₹12 lakh, with at least 20% buying an annuity. Corpuses up to ₹8 lakh can be withdrawn fully; between ₹8 and ₹12 lakh you can take ₹6 lakh and the rest in instalments or an annuity. Government employees stay on the 60:40 split.
Tax benefits
Under the old regime you get up to ₹1.5 lakh under 80C plus an extra ₹50,000 under 80CCD(1B). Your employer's contribution is deductible in both regimes (up to 14% of basic in the new regime). At exit, 60% of the corpus is tax-free; any extra lump sum and the pension are taxed at your slab rate.
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Frequently asked questions
What return does NPS give?
Tier I equity schemes have returned around 10–12% a year over the long term, and government bond schemes about 8–9%. With auto choice, the mix shifts toward safer assets as you age.
Can I leave NPS before 60?
Non-government subscribers can now exit normally after 15 years in NPS, even before 60. Leaving earlier counts as a premature exit: unless the corpus is small, most of it must buy an annuity.
Is the pension fixed?
Annuity rates are fixed when you buy the annuity, based on rates then, typically around 5.5–7% a year. Higher rates mean a higher pension.
These results are estimates for planning only, not financial, investment or tax advice. Rates and rules change, and your bank, fund house or employer may calculate slightly differently. Check with them or a qualified adviser before you decide.
Sources
Last reviewed: October 2026