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NPS Calculator

Your National Pension System corpus at 60, monthly pension and tax-free lump sum under the 2025 exit rules.

₹
years
Assumes you exit at 60.
% p.a.
Depends on your equity/debt mix and isn't guaranteed; try a few values.
%
%
At least 20% for non-government subscribers, or none if the corpus is ₹8 lakh or less.
% p.a.
The yearly rate your annuity provider quotes.
Corpus at 60₹1,13,96,6271.14 crore
Monthly pension₹22,79322.8 thousand
Lump sum at 60₹68,37,97668.38 lakh
You invest₹18,00,00018.00 lakh
Lump sum · 60%Annuity · 40%

Of the lump sum, ₹68,37,976 is tax-free (up to 60% of the corpus). The monthly pension is taxed as income.

NPS exit rules this uses

Since PFRDA's 2025 exit amendment, non-government subscribers leaving at 60 must put at least 20% of the corpus into an annuity and can take up to 80% as a lump sum. If the whole corpus is ₹8 lakh or less, it can all be taken as a lump sum.

Income tax still treats only 60% of the corpus as a tax-free lump sum, so taking more than that adds to your taxable income. Contributions are invested monthly and grow at the expected return you choose.

Estimates only, not financial advice. Your bank's or fund's actual figures can differ (rounding, fees, taxes, date conventions). Calculated in your browser; nothing you enter is sent anywhere.