NPS Calculator
Updated July 2026
Project your NPS corpus from monthly contributions and an expected return. At 60 you may withdraw up to 60% as a tax-free lump sum; at least 40% must buy an annuity.
NPS Calculator
Frequently Asked Questions
How much of NPS can I withdraw at retirement?
Up to 60% as a lump sum, which is tax-free. The remaining 40% minimum must be used to purchase an annuity, and annuity income is taxable as it is received.
What extra deduction does NPS give?
An additional ₹50,000 over and above the Section 123 (formerly 80C) limit, under the provision previously numbered 80CCD(1B).
Is NPS return guaranteed?
No. NPS is market-linked across equity, corporate debt and government securities, in the ratio your chosen scheme sets.