NPS Calculator
Project your National Pension System (NPS) savings at 60, the tax-free lump sum, the required annuity, and the monthly pension it buys, with inflation built in.
Default inflation rate for India: 5.5% per year, based on Reserve Bank of India / MoSPI (CPI) data (2026). You can override it in each calculator’s advanced options. See data sources for full citations.
How We Work It Out
NPS grows your monthly contributions to age 60, then splits the total into a lump sum and an annuity:
You can take up to 60% tax-free as a lump sum; at least 40% must buy an annuity.
Real-World Examples
₹5,000 a month from age 30 to 60 at 10%
Putting in ₹5,000 a month for 30 years at an expected 10% return builds about ₹1.14 crore. Taking 60% as a tax-free lump sum gives roughly ₹68 lakh, while the remaining ₹46 lakh used to buy an annuity at 6% pays a pension of around ₹23,000 a month for life.
Frequently Asked Questions (FAQ)
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