How to Plan Retirement with NPS — Free Corpus Calculator India

NPS Calculator

National Pension System — corpus projection, Sec 80CCD tax savings & annuity split

FY 2026-27 READY
Minimum Tier-I contribution ₹500/month.
For salaried — up to 10% of Basic+DA deductible u/s 80CCD(2) (14% for govt.).
10%
Typical blended return 9-11% (Equity + Govt. + Corp. Debt).
40%
Min. 40% compulsory; balance withdrawn tax-free (lump sum up to 60%).
Current annuity rates typically 6-7% p.a.
Corpus Projection at Retirement
Tax Benefit Summary (Annual)

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NPS Calculator — FAQs

How much of the NPS corpus can I withdraw at 60?
Up to 60% of the corpus can be withdrawn as a tax-free lump sum. At least 40% must be used to buy an annuity, which pays you a monthly pension.

What are the tax benefits of NPS?
Your contribution qualifies for deduction under Section 80CCD(1) within the Rs 1.5 lakh 80C limit, plus an extra Rs 50,000 under Section 80CCD(1B). The 60% lump sum at maturity is tax-free; the pension you later receive is taxed at your slab rate.

What return does NPS give?
NPS is market-linked, investing in equity, corporate bonds and government securities based on your chosen allocation. Long-term returns have generally been around 9-11% a year, but they are not guaranteed.

What is the annuity rate?
It is the rate at which your annuity corpus (at least 40%) is converted into a pension. Current annuity rates are roughly 6-7% a year; a higher rate means a higher monthly pension.

When can I withdraw from NPS?
Normally at age 60 (superannuation). Limited partial withdrawals are allowed earlier for specific needs, and premature exit has its own annuity rules.

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