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Smart Financial Calculators

NPS Calculator

Estimate your National Pension System (NPS) corpus at retirement, the lump sum you can withdraw and your monthly pension.

Frequently asked questions

How much pension will I get from NPS?

It depends on the annuity part of your corpus and the annuity rate. ₹50 lakh in an annuity at 6% pays about ₹25,000 a month.

What return does NPS give?

Equity-heavy NPS schemes have returned around 9–12% a year over the long run, but returns are market-linked and not guaranteed.

Is the NPS lump sum taxable?

Up to 60% of the corpus withdrawn at retirement is tax-free. Check the current tax treatment before withdrawing more than that. The monthly pension from the annuity is taxed as income.