NPS Calculator
National Pension System corpus, lump sum and pension under the 2025 exit rules.
At exit
- Lump sum (60%)
- ₹68,37,976
- Annuity (40%)
- ₹45,58,651
- Pension a month
- ₹22,793
- At least 20% has to buy an annuity. That is the rule for non-government subscribers since December 2025.
- The 10% return and 6% annuity rate are assumptions, not quotes. Pension is before tax.
Your contributions
How is this calculated?
Corpus = P × ((1 + i)^n − 1) ÷ i × (1 + i)
P = contribution a month · i = yearly return ÷ 12 ÷ 100 · n = months until exit
Pension a month = annuity purchase × annuity rate ÷ 12Runs in your browser — nothing you enter leaves this device.
An estimate built on assumed returns and annuity rates. Real results will differ. Not financial or tax advice.
About this tool
What it does
This calculator estimates how large your National Pension System account could grow by the time you exit. It then splits the total into the lump sum you can take out and the part that has to buy an annuity, and shows the monthly pension that annuity might pay. It follows the exit rules PFRDA notified in December 2025 for non-government subscribers.
How to use it
- Enter how much you contribute each month.
- Set your age now and the age you plan to exit, which is normally 60.
- Choose a yearly return to assume. A higher share in equity has usually meant higher and bumpier returns.
- Choose how much of the corpus to use for an annuity, 20% or more, and the annuity rate to assume.
- Read the corpus, the lump sum, the annuity purchase and the estimated monthly pension.
Limits and your data
- The rules used are for non-government subscribers (All Citizen and corporate models). Central and state government employees have different exit rules, which this calculator does not apply.
- Market returns are not guaranteed, and a single yearly rate for decades is a simplification. Try a lower rate to see a cautious case.
- Annuity rates vary by insurer, by the annuity type you choose and by interest rates at the time you buy. The rate here is your assumption, not a quote.
- Tax on the lump sum and on the pension is not calculated.
- The projection runs entirely in your browser and nothing is sent to PFRDA, your pension fund or anyone else. Your figures appear only in the page address so a link can be shared.
Questions
How much can I take out as a lump sum?
Since the PFRDA (Exits and Withdrawals under the National Pension System) (Amendment) Regulations, 2025, a non-government subscriber can take up to 80% as a lump sum at normal exit and must use at least 20% to buy an annuity. Before that it was 60% and 40%.
Can I withdraw everything?
Yes, if the total is ₹8,00,000 or less at normal exit. You can then take all of it without buying an annuity.
What return should I assume?
No one can promise one. NPS returns depend on how much is in equity, corporate bonds and government bonds, and on markets. Trying a cautious and an optimistic rate side by side is more useful than a single guess.
Does this work for government employees?
No. Government-sector subscribers have separate exit rules, and applying the non-government ones would give a wrong answer, so this calculator does not attempt it.