NPS Pension Calculator

Calculate your accumulated retirement wealth, lump sum tax-free withdrawals, and estimated monthly pensions under the NPS.

Calculator Inputs

First Name (for AI Chat)

Monthly NPS Contribution (₹)

₹

Your Current Age (Years)

Expected Return Rate (% Annual)

Annuity Purchase Percentage (Min 40%)

Expected Annuity Interest Rate (% Annual)

NPS Retirement Plan Report

Saving ₹5,000/month in NPS until age 60 grows to ₹1,13,96,627 — giving you a tax-free lump sum of ₹68,37,976 plus an estimated ₹22,793/month pension for life.

Est. Monthly Pension

₹22,793

Annuity Corpus40%

Lump Sum60%

Total Invested₹18,00,000

Estimated Gains₹95,96,627

NPS Maturity Value₹1,13,96,627

↳ Tax-Free Lump Sum₹68,37,976

↳ Annuity (Pension wealth)₹45,58,651

Lump sum withdrawal is 100% tax-free under Section 10(12A). The annuity pension itself is taxed as income in the year you receive it.

Advisor Mode

This chat gives AI estimates, not filed advice — double-check with a CA before you file.