NPS Calculator
Corpus at 60, the compulsory annuity split, and the monthly pension that actually results.
Your numbers
Nothing you type here leaves your device as you work. Saving is the only thing that sends it anywhere, and only when you ask.
₹5 thousand
Set by the annuity provider on the day you buy, not now.
At least 40% is compulsory.
My scenarios (0/10)
Snapshots of your inputs, so you can flip between them — “20 years at 9%” against “15 years at 9.5%”. Stored in this browser only, no account needed.
Fill in a few things
Still needed: return you assume while building, annuity rate you assume at exit.
We leave rate assumptions blank on purpose. A pre-filled number would read as our prediction, and nobody can predict a return. Put in whatever you think is realistic — then change it and watch how far the answer moves.
Questions people actually ask
- Can I take the whole NPS corpus as cash at 60?
- No. At least 40% must be used to buy an annuity. Only the remaining 60% comes to you as a lump sum, and the pension from the annuity is taxable as income. This is the main criticism of NPS and it is a fair one.
Where these numbers come from
Every rate this tool uses, its source, and the date a human last checked it against that source.
- Union Budget 2026-27; slab structure unchanged from FY 2025-26 · checked 2026-04-05
- Income-tax Act — standard deduction for salaried taxpayers, new regime · checked 2026-04-05
Salaried taxpayers and pensioners only. Not available against business or freelance income.
- Rebate under s.87A, new regime · checked 2026-04-05
Applies to total income AFTER the standard deduction, which is why a salary of ₹12.75 lakh can still pay nil tax.
- Rebate under s.87A, new regime · checked 2026-04-05
- Surcharge rates, new regime. The 37% band does not apply under the new regime. · checked 2026-04-05
- Deduction against family pension, new regime · checked 2026-04-05
- Old regime slabs, unchanged since FY 2014-15 · checked 2026-04-05
- Standard deduction for salaried taxpayers, old regime · checked 2026-04-05
- Rebate under s.87A, old regime · checked 2026-04-05
- Rebate under s.87A, old regime · checked 2026-04-05
- Surcharge rates, old regime · checked 2026-04-05
- Basic exemption limit, resident senior citizen, old regime · checked 2026-04-05
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