NPS Calculator — Pension Corpus & Returns
Project your National Pension System corpus with the 10%+10% contribution and tax benefits
How to Use NPS Calculator
Project your National Pension System corpus with the 10%+10% contribution and tax benefits No signup, and nothing gets uploaded for most use.
- 1
Enter your numbers in the input fields.
- 2
Choose the calculation options or frequency.
- 3
The result updates instantly as you type.
- 4
Review the breakdown, chart, or schedule, and copy the answer.
Why you might like it
- Nothing to upload — the work happens on your device.
- Free with no signup, no watermarks, and no daily limits.
- Works in any modern browser on any device — nothing to install.
- Usually done in a few seconds, so it doesn't get in your way.
Frequently Asked Questions
How much can I deduct under NPS for tax?▾
Your own NPS contribution is deductible under 80CCD(1) within the overall ₹1.5 lakh 80C limit. On top of that, an extra ₹50,000 is deductible under 80CCD(1B), and employer contributions up to 14% of basic + DA are deductible under 80CCD(2). This is why NPS can reduce your taxable income more than most investments.
What happens to my NPS money at 60?▾
At 60 you can withdraw 60% of the corpus as a tax-free lump sum and must use the remaining 40% to buy an annuity that pays you a monthly pension. You can also choose to defer the annuity purchase or stagger the lump-sum withdrawal over 10 years.
What return should I expect from NPS?▾
NPS lets you choose an equity allocation (up to 75%, or 50% for government employees). Equity-heavy Tier I portfolios have historically returned around 10–12% annually, while conservative debt allocations return less. This calculator uses a blended assumption — change it to match your allocation.
Can I withdraw from NPS before 60?▾
Partial withdrawals of up to 25% of your own contributions are allowed after 3 years for specific purposes like children's education, home purchase or medical treatment. You can exit the scheme before 60, but then at least 80% must go into an annuity and only 20% can be taken as a lump sum.
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Learn more
NPS Calculator Guide: Project Your Pension Corpus
Project your National Pension System corpus with the 10%+10% contribution and tax benefits. Free, private, browser-based — no signup, no upload.
How to Use the NPS Calculator: A Step-by-Step Guide
Learn how to project your National Pension System corpus in a few steps — set your contribution, choose the allocation, and read your annuity.
NPS Calculator: Inputs, Options, and How to Read the Results
A practical reference for the NPS Calculator — the inputs it accepts, the allocation options, and how to read your pension projection.