How much pension will I get from NPS?

The pension depends on total corpus, annuity percentage, and annuity return rate.

NPS provides tax benefits under sections 80C and 80CCD, but not fully tax-free.

NPS Calculator

Q: What is annuity in NPS?

Annuity is the portion of your corpus used to generate monthly pension income.

Q: What is a good return for NPS?

A return between 8 percent to 12 percent is considered reasonable for long-term NPS investments.

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Investment/month

Return (%)

Age

Retirement Age

Annuity (%)

Annuity Return (%)

Invested

Interest

Total

Lump sum ₹

Annuity ₹

Monthly ₹

Disclaimer: currenttaxyear provides estimates for informational purposes only and does not guarantee accuracy.

📊 NPS Calculator India (2026)

Use this NPS Calculator to estimate your retirement corpus and monthly pension under the National Pension System (NPS). It helps you plan long-term investments with expected returns and annuity income after retirement.

💡 What is NPS?

The National Pension System (NPS) is a government-backed retirement savings scheme in India. It allows you to invest regularly and build a retirement corpus with market-linked returns.

🧮 How NPS Calculation Works

✔ Monthly investment grows with compounding returns
✔ Total corpus is calculated at retirement age
✔ A portion is converted into annuity (pension)
✔ Remaining amount is given as lump sum

📈 NPS Formula (Simplified)

Future Value = Monthly Investment × [ (1 + r)^n − 1 ] / r

r = monthly return rate
n = total months of investment

📌 Key NPS Rules (India)

✔ Minimum 40% corpus must be used for annuity
✔ Remaining can be withdrawn as lump sum
✔ Tax benefits available under Section 80C & 80CCD

❓ FAQ - NPS Calculator

1. What is NPS?

NPS is a government-backed retirement savings scheme in India.

2. How much pension will I get?

Depends on your corpus, annuity %, and annuity return rate.

3. Is NPS tax-free?

Partial tax benefits are available under income tax laws.

4. What is annuity in NPS?

Annuity is the portion of corpus used to generate monthly pension.

5. What is a good return for NPS?

Typically 8%–12% is considered a reasonable long-term return.

👉 This calculator provides an estimated retirement projection based on India NPS rules (2026).