NPS Calculator

How the NPS corpus and pension are calculated

Each monthly contribution is invested and grows at the expected return, compounded monthly, until you exit at 60. For a contribution P at the start of each month:

Corpus = P × ((1 + i) ⁿ − 1) ÷ i × (1 + i)

i is the monthly return (yearly return ÷ 12 ÷ 100) and n the months to 60; with a yearly increase, each year's contributions are added the same way. At 60 part of the corpus can be taken as cash and the rest buys an annuity, a pension for life:

Pension a month = amount annuitised × annuity rate ÷ 12

Example: starting at 30 with ₹5,000 a month, raised 5% a year, at 10% you put in ₹39,86,331 and have ₹1,79,65,105 at 60. A non-government subscriber can take ₹1,43,72,084 (80%) and annuitise ₹35,93,021, which at 6% pays ₹17,965 a month. Of that lump sum, ₹1,07,79,063 (60% of the corpus) is tax-free and ₹35,93,021 is taxed at your slab. A government subscriber takes ₹1,07,79,063, all of it tax-free, and gets ₹35,930 a month.

NPS calculator for government employees

Choose "Government" under "You are": a central or state government employee in NPS can take up to 60% of the corpus at 60 as a lump sum, all of it tax-free, and at least 40% buys the pension. Enter your contribution and the government's together as the monthly contribution (for central government staff, 10% of basic + DA from you and 14% from the government).

Private and corporate employees, and anyone who joined on their own, choose "Non-government": up to 80% as a lump sum, with the part above 60% of the corpus taxed at your slab.

NPS pension from ₹5,000 a month

Starting at 30 with ₹5,000 a month, raised 5% a year, the corpus at 60 is about ₹1,79,65,105 and the pension ₹17,965 a month for a non-government subscriber, ₹35,930 for a government one, who annuitises more.

At 10% a year and a 6% annuity, with the most taken as a lump sum: both are assumptions, so change them above.

NPS withdrawal rules at 60 (from December 2025)

From PFRDA's amendments to its exit and withdrawal regulations, notified in December 2025. Government means central and state government employees in NPS; everyone else, including corporate NPS, is non-government.

Good to know

• NPS returns are market-linked: the funds hold shares, corporate bonds and government bonds in the mix you choose, so 10% is an assumption, not a promise.
• Annuity rates depend on the insurer, your age and the plan: one that returns the purchase price to your family pays less than a pension for life alone.
• Tax: 60% of the corpus taken at exit is tax-free, so a government subscriber's lump sum is tax-free. A non-government subscriber who takes more (up to 80%) pays tax at their slab on the part above 60%: the tax law was not changed when PFRDA raised the limit. What buys the annuity is not taxed, but the pension it pays is taxed as income every year.
• You need not exit at 60: you can stay invested, and defer the lump sum or the annuity.

Questions

ఎన్‌పీఎస్ పెన్షన్ ఎంత వస్తుంది?

ఎన్‌పీఎస్ (జాతీయ పెన్షన్ పథకం)లో 60 ఏళ్ల వరకు ప్రతి నెలా కట్టిన డబ్బు మార్కెట్‌లో పెరుగుతుంది. 60 ఏళ్లకు ప్రైవేట్ ఉద్యోగులు నిధిలో 80% వరకు, ప్రభుత్వ ఉద్యోగులు 60% వరకు ఒకేసారి తీసుకోవచ్చు; మిగిలిన మొత్తంతో యాన్యుటీ కొంటే నెలనెలా పెన్షన్ వస్తుంది.

30 ఏళ్ల వయసులో నెలకు ₹5,000తో మొదలుపెట్టి ఏటా 5% పెంచితే, 10% రాబడికి 60 నాటికి సుమారు ₹1,79,65,105 నిధి జమ అవుతుంది. 6% యాన్యుటీతో ప్రైవేట్ ఉద్యోగికి నెలకు ₹17,965, ప్రభుత్వ ఉద్యోగికి ₹35,930 పెన్షన్ వస్తుంది.