Eternexa

NPS Calculator

Project your NPS corpus to 60 and what follows — lump sum, annuity, monthly pension, and the 60% tax-free line under the new 80/20 exit rules.

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Your NPS

Step 1 of 2
₹10,000
30 → 60 (30 years)
Monthly pension from age 60
₹45,210

₹10,000 a month for 30 years at 10%

84%of the corpus is growth
Corpus at 60
₹2.26 Crore
Lump sum in hand
₹1.36 Crore
You contribute
₹36.00 Lakh
  • What you contribute
  • Growth earned
What it grows toWhat you investYr 0Yr 8Yr 15Yr 23Yr 30
NPS corpusYou contributed

From contributions to a pension

What you put in, what it grows to, and how the corpus is split at 60.

You contribute over 30 years
₹36,00,000
+ Growth earned
₹1,90,04,879at 10%
= Corpus at 60
₹2,26,04,879
Lump sum (60%)
₹1,35,62,928yours on day one
Annuity purchase (40%)
₹90,41,952pays ₹45,210/mo

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Calculation method & official sources

Projects contributions and assumed returns to age 60, then illustrates non-government Tier I normal-exit annuity and lump-sum amounts. Special exit categories, the intermediate-corpus withdrawal options and individual tax circumstances are not fully modelled. Annuity yields are assumptions, not insurer quotes.

Eternexa is an independent app. It is not affiliated with, endorsed by, authorised by or representing the Government of India, any state government or any government entity. It does not provide official government services.

Results are estimates for general information, not financial, investment, tax or legal advice. Verify the applicable period, eligibility and official rules before acting.

All official sources & calculator methods →

What is the NPS?

The National Pension System is India’s regulated, market-linked retirement account: you contribute through your working years, the money is invested in a chosen mix of assets, and this projection at age 60 splits the corpus into a lump sum plus a monthly pension. Voluntary subscription is open to eligible Indians aged 18–85, including NRIs, under the PFRDA’s eligibility rules. This calculator models contributions up to age 60.

This page models a Tier I contribution projection. Growth depends on your chosen investment mix and actual market returns. The return slider is an assumption rather than a forecast, live fund quote or guarantee. Compare scenarios and check your scheme and exit category.

Normal exit — the 80/20 rules

PFRDA’s revised exit rules (notified December 2025) made retirement much more flexible for private-sector subscribers:

  • Corpus up to ₹8 lakh — withdraw 100%, no annuity needed.
  • Corpus of ₹8–12 lakh — take up to ₹6 lakh as lump sum and draw the rest as systematic withdrawals over 6+ years.
  • Corpus above ₹12 lakh — take up to 80% as lump sum; at least 20% must buy an annuity (was 40%).

For All Citizen common schemes, normal exit is available after 15 years of subscription or at age 60, whichever comes first. Government-sector rules differ; check the PFRDA exit regulations for your account and exit category.

The annuity is a pension contract with an insurer: hand over the annuity corpus, receive a fixed monthly payout for life. At a 6% annuity rate, every ₹10 lakh annuitised pays about ₹5,000 a month. Rates differ by variant — “with return of purchase price” (your heirs get the corpus back) pays less than without — so treat the calculator’s rate slider as a quote to shop against.

Withdrawal rules and tax treatment are separate

This projection uses a configured tax-free lump-sum portion of 60% of the corpus and highlights any projected excess. Permission to withdraw a lump sum does not by itself establish its tax exemption. Your actual treatment depends on the applicable income-tax provisions and exit category; check the official references before acting. This calculator does not calculate your final tax bill or every special withdrawal option.

Why salaried savers still love it

Contributions punch above their weight on tax. Your own deposits get 80CCD(1) plus the famous extra ₹50,000 under 80CCD(1B) — old regime only. But the sleeper is 80CCD(2): an employer NPS contribution (up to 14% of Basic + DA) is deductible even in the new regime — one of the very few deductions that survived it. If your company offers NPS in the CTC structure, compare the tax benefit with the reduction in cash salary and the withdrawal restrictions. Our take-home salary calculator does not model employer NPS contributions.

NPS or PPF or a plain SIP?

PPF has government backing and a notified rate that can change each quarter. A SIP is a contribution method; its risk, returns and withdrawal conditions depend on the fund. NPS also has market risk, together with tax benefits and exit restrictions. Compare the investment mix, costs, tax treatment and access to your money before deciding.

Frequently asked questions

Can I withdraw my entire NPS corpus at 60?
Only if it is ₹8 lakh or less (100% lump sum, no annuity). Between ₹8–12 lakh you can take ₹6 lakh and draw the rest systematically over at least 6 years. Above ₹12 lakh, at least 20% must buy an annuity — the other 80% can be lump sum, though only 60% of the corpus is currently tax-free.
Is a permitted lump sum automatically tax-free?
No. Exit permissions and income-tax exemptions are separate. This projection uses a configured 60% tax-free portion and highlights excess amounts; it does not establish your final tax treatment. Check the official tax and exit references for your category.
What return should I assume?
The return depends on your asset mix and market performance. Try several assumptions, including a lower-return scenario, rather than treating the default as a forecast. The projection does not retrieve live or historical fund returns.
What is the 80CCD(2) employer benefit?
Eligible employer NPS contributions up to 14% of Basic + DA are deductible under the new tax regime. The old-regime limit depends on the employer category. Consider the effect on cash salary and withdrawal restrictions; this projection does not calculate the deduction.
What happens to my NPS if I exit early or die before 60?
For All Citizen subscribers, premature exit has no minimum subscription period. A corpus up to ₹5 lakh may be withdrawn in full; above that, at least 80% must buy an annuity. On death, nominees or legal heirs may withdraw the entire corpus. Other subscriber categories can have different rules.

Related calculators

Retirement

Your real retirement number — expenses inflated to 60, the corpus that funds 25 years of them, and the SIP that builds it.

PPF

See your Public Provident Fund grow year by year at the government-notified rate — 15-year maturity, 5-year extensions, all of it tax-free.

Income Tax

Estimate tax under the old and new regimes side by side for FY 2026-27, using the figures you enter.

Figures last checked: , against PFRDA exit rules notified December 2025. They apply to FY 2026-27. Rates and limits change — verify anything you are about to act on against the official source.

Disclaimer: Eternexa is an independent app. It is not affiliated with, endorsed by, authorised by or representing the Government of India, any state government or any government entity. It does not provide official government services. Results are estimates for general information, not financial, investment, tax or legal advice. Verify the applicable period, eligibility and official rules before acting. Read the official references and calculation scope.