NPS Calculator

NPS rules require at least 40% of the accumulated corpus to be used to purchase an annuity at retirement, while up to 60% can be withdrawn as a lump sum — this calculator applies that standard split to your projected corpus.

No, this tool only projects the accumulation-phase corpus and the 60/40 split. To estimate the monthly pension the 40% annuity portion would generate, use the Annuity Calculator or Monthly Pension Calculator.

NPS returns depend on the mix of equity, corporate debt, and government bond funds you choose, so actual returns vary by allocation — enter your own expected long-term return based on your fund choice.

Partial withdrawals are allowed under specific conditions after a minimum contribution period, and premature exit before 60 has different lump-sum/annuity rules than a normal retirement exit.

The lump-sum withdrawal portion is currently tax-exempt up to specified limits under NPS rules, while annuity income is taxed as regular income when received — confirm current tax treatment before relying on this for filing.