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NPS Calculator (Pension & Lump Sum)
Free NPS calculator: your corpus at 60 from monthly contributions, the lump sum you can take under the new PFRDA exit rules (80% for non-government subscribers), and the monthly pension from the annuity.
NPS corpus at exit
₹1,78,16,633
₹1.78 Crore
💡 Good to know
- Since December 2025 (PFRDA), non-government subscribers can take up to 80% as a lump sum at 60 and must buy an annuity with at least 20%. Government employees: 60% / 40%.
- Up to 60% of the corpus taken as lump sum is tax-free. Annuity pension is taxed as income.
- Old regime: extra ₹50,000 deduction under 80CCD(1B). Employer NPS (80CCD(2)) is allowed in both regimes.
- Annuity rates depend on the insurer and plan; check quotes near retirement.
Rules last checked: October 2026. Returns are not guaranteed; NPS is market-linked. 🔒 Calculated on your device.
✅ Rules last checked:
📚 Official sources: PFRDA · NPS Trust
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
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Questions people ask
How much can I withdraw from NPS at 60?+
Non-government subscribers can take up to 80% as a lump sum and use the rest (at least 20%) to buy an annuity. Government employees: 60% lump sum. If the whole corpus is ₹8 lakh or less, you can take all of it.
How much pension will NPS give?+
Pension = annuity amount × annuity rate ÷ 12. ₹30 lakh in an annuity at 6% gives about ₹15,000 a month.
Is NPS tax-free?+
The lump sum is tax-free up to 60% of the corpus. The annuity pension is taxed as income each year.