Estimate your National Pension System (NPS) corpus, annuity, and monthly pension at retirement.
⚠️ Results are indicative only. Actual NPS benefits may vary as per PFRDA rules and annuity provider terms.
| Year | Age | Invested (yr) | Returns (yr) | Corpus End |
|---|
Plan your National Pension System investments using the latest PFRDA exit, withdrawal, and annuity rules.
The National Pension System (NPS) is a government-regulated, market-linked retirement scheme managed by the PFRDA. Investments are allocated across equity, corporate bonds, and government securities to build long-term retirement wealth.
Contribute via monthly SIPs or yearly contributions with full control over amount and frequency. Minimum contribution is ₹500 per month or ₹1,000 per year. Existing NPS subscribers can include their current corpus for accurate exit calculations.
NPS returns depend on market performance and asset allocation. With equity exposure, long-term returns have historically ranged between 8%–12%. Returns are not guaranteed and vary year to year.
Contributions qualify for tax deductions up to ₹2 lakh annually (₹1.5L under Section 80C + ₹50K under Section 80CCD(1B)). Up to 60% of the maturity corpus is tax-free. Any additional withdrawal beyond 60% (where permitted) is taxable as per income slab. Annuity income is fully taxable in the year of receipt.
Non-Government Subscribers:
• Normal exit allowed after 15 years of subscription or age 60, whichever is earlier.
• If corpus ≤ ₹8 lakh → 100% lump sum allowed.
• If corpus ₹8–12 lakh → ₹6 lakh lump sum; balance via SUR / SWP.
• If corpus > ₹12 lakh → Up to 80% lump sum, minimum 20% annuity.
Government Employees:
• Normal exit only at age 60.
• Mandatory minimum 40% annuity.
Starting early increases flexibility at exit and maximizes equity exposure. Review allocation periodically and use NPS alongside EPF and mutual funds for a balanced, tax-efficient retirement strategy.
The National Pension System (NPS) is a government-backed retirement savings plan regulated by PFRDA, allowing regular investments and post-retirement pension income.
Returns are market-linked, based on your fund manager’s performance and allocation between equity, corporate debt, and government bonds.
Investments are eligible for deductions under Section 80CCD(1) and an additional ₹50,000 under Section 80CCD(1B). Employer contributions also qualify under Section 80CCD(2).
Your pension depends on annuity rate and corpus used. For example, ₹40L corpus at 6% gives ~₹20,000/month.
Partial withdrawals are allowed after 3 years for specific purposes. Exit before completing 15 years of subscription (and before age 60) is treated as premature and generally requires up to 80% of the corpus to be used for annuity, unless the corpus is below ₹5 lakh.