Calculate accumulated NPS retirement wealth, lump-sum payout, and monthly pension.
Result
NPS returns are market-linked. Minimum 40% annuity purchase is mandatory at age 60 under PFRDA regulations.
Save as
Total Corpus = SIP(P, r, n) | Lump Sum = 60% | Annuity = 40%
₹5,000/month from age 30 to 60 at 10% return with 40% annuity.
Retirement corpus: ~₹1.14 Crore | 60% Tax-free lump sum: ~₹68.38 Lakh | Pension: ~₹22,793/month.
Estimate retirement fund accumulation from employee and employer EPF contributions.
Open calculatorProject maturity balance and accumulated tax-free interest for Public Provident Fund accounts.
Open calculatorEstimate maturity value, invested amount, and gains from monthly mutual fund SIPs.
Open calculatorCalculate regular periodic cash withdrawals and remaining corpus in mutual fund SWPs.
Open calculatorAt age 60, you can withdraw up to 60% of your accumulated NPS corpus completely tax-free as a lump sum. The remaining minimum 40% must be used to purchase an annuity providing monthly pension.
NPS offers deductions up to ₹1.5 lakh under Section 80CCD(1) and an exclusive additional deduction of ₹50,000 under Section 80CCD(1B), totaling up to ₹2 lakh under the Old Tax Regime.
Regulated by the PFRDA, the National Pension System (NPS) is a market-linked retirement vehicle offering asset allocation across equity (Asset Class E), corporate bonds (Class C), and government securities (Class G).