NPS Calculator
Pension and lump sum at 60
Total corpus at 60
₹1,13,96,627
≈ ₹1.14 Crore
- Lump sum (80%)
- ₹91,17,301
- Monthly pension (approx.)
- ₹11,397
- You invest
- ₹18,00,000
- Returns
- ₹95,96,627
Estimate only. Returns are market-linked; withdrawal rules can change.
How it worksMonthly contributions grow at the expected return. At retirement, part of the corpus buys an annuity (pension) and the rest is paid as a lump sum.
FAQs
How much of NPS can I withdraw at 60?
Under the rules notified in December 2025, non-government subscribers can take up to 80% as a lump sum and must use at least 20% to buy an annuity (pension).
What return should I expect from NPS?
Long-term NPS returns have typically been around 9–12% depending on the equity share. Returns are market-linked and not guaranteed.
What tax benefit does NPS give?
In the old regime you can claim up to ₹50,000 extra under Section 80CCD(1B). Employer contributions to NPS get a deduction in both regimes, within limits.