NPS Calculator
Calculate your NPS corpus and monthly pension at retirement.
Results
NPS Corpus at Retirement
₹1.14 Cr
Total invested
₹18.00 L
Lump sum (60%, tax-free)
₹68.38 L
Annuity corpus (40%)
₹45.59 L
Monthly pension
₹22,793
Corpus growth over time
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How does NPS work and how is corpus calculated?
The National Pension System (NPS) is a government-backed retirement savings scheme open to all Indian citizens aged 18–70. Contributions grow through market-linked returns invested in equity (E), corporate bonds (C), and government securities (G) funds. At retirement, NPS rules require at least 40% of the corpus to be used to buy an annuity (which gives you a monthly pension), while the remaining 60% can be withdrawn as a tax-free lump sum.
NPS offers significant tax benefits: contributions up to ₹1.5 lakh are deductible under Section 80CCD(1), and an additional ₹50,000 is deductible under Section 80CCD(1B) — exclusive to NPS. For employed subscribers, employer contributions up to 10% of basic salary are also deductible. This makes NPS one of the few instruments that can give you a total tax deduction beyond the standard ₹1.5 lakh 80C limit.
Historically, NPS equity funds have delivered 10%–14% CAGR over 10-year periods. The auto-choice lifecycle fund automatically reduces equity exposure as you age. If you are below 35, active choice with maximum equity allocation (75%) is generally recommended for long-term wealth building. After 60, if you need more pension, you can extend your NPS account up to age 75.