NPS Calculator (National Pension System)
NPS builds a market-linked corpus until 60.
At exit, non-government subscribers must use at least 20% of the corpus (government sector: 40%) to buy an annuity that pays a monthly pension; the rest can be withdrawn.
How to use the NPS Calculator
- Enter your monthly contribution and current age.
- Enter the expected return (depends on your equity/debt mix).
- Choose the annuity share and an assumed annuity rate.
- Read the corpus, lump sum and estimated monthly pension.
Examples
₹5,000/month from 30 to 60 at 10%
Input: ₹5,000, 30 yrs, 10%, 40% annuity @6%
Result: Corpus, lump sum and pension shown instantly
Frequently asked questions
How much of NPS must go into an annuity?
Under PFRDA's exit regulations as amended in December 2025, non-government subscribers exiting at 60 can withdraw up to 80% and must annuitise at least 20% when the corpus exceeds ₹12 lakh; smaller corpuses have more flexible options. Government-sector subscribers annuitise at least 40%.
Is the annuity rate guaranteed?
The annuity rate is fixed when you buy the annuity from an insurer at exit, but today's quotes may differ from rates 20–30 years from now.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-30 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.