NPS Calculator — National Pension System Corpus & Pension
Calculate your retirement corpus under National Pension System (NPS Tier 1). Plan 60% tax-free lump sum withdrawal and estimated lifetime monthly pension.
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Interactive InputsNormal Exit: Min 40% mandatory to Annuity. Up to 60% tax-free lump sum (100% lump sum allowed if corpus <= ₹5 Lakhs).
Eligible for ₹50,000 extra tax deduction under Sec 80CCD(1B)
Remaining 60% (₹84,25,006) is paid as a lump sum.
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Pension amount is an estimate based on your chosen annuity rate (6.5% p.a.). Actual annuity depends on the prevailing rates of Annuity Service Providers (ASPs) registered with PFRDA at retirement.
Year-on-Year NPS Corpus Growth Projection
| Year | Age | Total Deposited | Total Interest | Total Corpus |
|---|---|---|---|---|
| Year 1 | 29 Yrs | ₹60,000 | ₹3,351 | ₹63,351 |
| Year 2 | 30 Yrs | ₹1,20,000 | ₹13,337 | ₹1,33,337 |
| Year 3 | 31 Yrs | ₹1,80,000 | ₹30,650 | ₹2,10,650 |
| Year 4 | 32 Yrs | ₹2,40,000 | ₹56,059 | ₹2,96,059 |
| Year 5 | 33 Yrs | ₹3,00,000 | ₹90,412 | ₹3,90,412 |
| Year 6 | 34 Yrs | ₹3,60,000 | ₹1,34,645 | ₹4,94,645 |
| Year 7 | 35 Yrs | ₹4,20,000 | ₹1,89,792 | ₹6,09,792 |
| Year 8 | 36 Yrs | ₹4,80,000 | ₹2,56,996 | ₹7,36,996 |
| Year 9 | 37 Yrs | ₹5,40,000 | ₹3,37,521 | ₹8,77,521 |
| Year 10 | 38 Yrs | ₹6,00,000 | ₹4,32,760 | ₹10,32,760 |
| Year 11 | 39 Yrs | ₹6,60,000 | ₹5,44,255 | ₹12,04,255 |
| Year 12 | 40 Yrs | ₹7,20,000 | ₹6,73,708 | ₹13,93,708 |
| Year 13 | 41 Yrs | ₹7,80,000 | ₹8,22,998 | ₹16,02,998 |
| Year 14 | 42 Yrs | ₹8,40,000 | ₹9,94,205 | ₹18,34,205 |
| Year 15 | 43 Yrs | ₹9,00,000 | ₹11,89,621 | ₹20,89,621 |
| Year 16 | 44 Yrs | ₹9,60,000 | ₹14,11,783 | ₹23,71,783 |
| Year 17 | 45 Yrs | ₹10,20,000 | ₹16,63,492 | ₹26,83,492 |
| Year 18 | 46 Yrs | ₹10,80,000 | ₹19,47,840 | ₹30,27,840 |
| Year 19 | 47 Yrs | ₹11,40,000 | ₹22,68,245 | ₹34,08,245 |
| Year 20 | 48 Yrs | ₹12,00,000 | ₹26,28,485 | ₹38,28,485 |
| Year 21 | 49 Yrs | ₹12,60,000 | ₹30,32,728 | ₹42,92,728 |
| Year 22 | 50 Yrs | ₹13,20,000 | ₹34,85,584 | ₹48,05,584 |
| Year 23 | 51 Yrs | ₹13,80,000 | ₹39,92,143 | ₹53,72,143 |
| Year 24 | 52 Yrs | ₹14,40,000 | ₹45,58,028 | ₹59,98,028 |
| Year 25 | 53 Yrs | ₹15,00,000 | ₹51,89,452 | ₹66,89,452 |
| Year 26 | 54 Yrs | ₹15,60,000 | ₹58,93,276 | ₹74,53,276 |
| Year 27 | 55 Yrs | ₹16,20,000 | ₹66,77,083 | ₹82,97,083 |
| Year 28 | 56 Yrs | ₹16,80,000 | ₹75,49,247 | ₹92,29,247 |
| Year 29 | 57 Yrs | ₹17,40,000 | ₹85,19,022 | ₹1,02,59,022 |
| Year 30 | 58 Yrs | ₹18,00,000 | ₹95,96,627 | ₹1,13,96,627 |
| Year 31 | 59 Yrs | ₹18,60,000 | ₹1,07,93,354 | ₹1,26,53,354 |
| Year 32 | 60 Yrs | ₹19,20,000 | ₹1,21,21,677 | ₹1,40,41,677 |
How This Calculation Works (Mathematical Formula)
Complies with PFRDA rules: minimum 40% mandatory annuity purchase on normal exit (or 100% lump sum if total corpus is under ₹5 Lakh).
Frequently Asked Questions
Under PFRDA & Section 10(12A) rules, you can withdraw up to 60% of your total accumulated corpus completely tax-free. The remaining 40% (minimum) must be used to purchase an annuity for monthly pension.
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