NPS Calculator

↻ Updated FY 2026-27

Project your National Pension System (NPS) corpus at age 60 from monthly contributions, then see the 60% tax-free lump sum and the monthly pension from the 40% annuity.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Monthly contribution

Current age

Contributes until age 60

Expected return (market-linked)

Annuity rate at 60

Corpus at age 60

₹1,13,02,440

over 30 years

Tax-free lump sum (60%)

₹67,81,464

withdrawn at retirement

Monthly pension

₹22,605

40% annuity at 6%

Corpus split at retirement

Lump sum (60%)₹67,81,464

Annuity (40%)₹45,20,976

How the corpus builds

Total invested₹18,00,000

Investment gains₹95,02,440

Corpus at 60₹1,13,02,440

Annuity corpus (40%)₹45,20,976

Monthly pension₹22,605

ASSUMPTIONS — NPS returns are market-linked, so the expected return is an assumption, not a guaranteed rate. At age 60 you may withdraw up to 60% as a tax-free lump sum; the remaining 40% must buy an annuity, whose payout depends on the annuity rate offered by the insurer. Small-savings reference rates are for the Jul–Sep 2026 quarter and are revised quarterly by the Ministry of Finance. Figures ignore fund management charges.

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Sources & rate references

·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.