NPS / Retirement Calculator

⚡ In shortSee how your monthly NPS or SIP contributions could grow into a retirement corpus — free and instant, using compound growth. The calculator compounds your monthly contribution at your expected annual return until retirement (annuity-due basis). Under NPS rules, at least 40% of the final corpus must be used to buy an annuity (pension) at age 60, while up to 60% can be withdrawn (currently tax-free). Returns are market-linked and not guaranteed.

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How it is calculated

The calculator compounds your monthly contribution at your expected annual return until retirement (annuity-due basis). Under NPS rules, at least 40% of the final corpus must be used to buy an annuity (pension) at age 60, while up to 60% can be withdrawn (currently tax-free). Returns are market-linked and not guaranteed.

Frequently asked questions

How much of my NPS corpus can I withdraw?

At maturity (age 60), you can withdraw up to 60% as a lump sum (currently tax-free) and must use at least 40% to buy an annuity that pays you a pension.

Are NPS returns guaranteed?

No. NPS is market-linked — returns depend on the equity/debt mix you choose and market performance. The calculator's figure is an estimate, not a guarantee.

Does NPS give a tax benefit?

NPS offers deductions under Sections 80CCD(1), 80CCD(1B) (an extra ₹50,000) and 80CCD(2) for employer contributions, subject to conditions. Verify the current limits with a CA.