---
type: "tool"
title: "NPS Calculator"
description: "Estimate your National Pension System corpus at retirement, the lump sum you can withdraw and the annuity portion."
resource: "https://www.gstcalculators.in/nps-calculator.html"
language: "en"
bundle_generated: "2026-10-12"
---

# NPS Calculator

Estimate your National Pension System corpus at retirement, the lump sum you can withdraw and the annuity portion.

- Canonical page: [NPS Calculator](https://www.gstcalculators.in/nps-calculator.html)
- Publisher: [Tool Master Hub / GSTCalculators.in](../site.md)
- Category: [Investment and Savings Calculators](../categories/invest.md)

This is a discovery summary of the public page, not an independently reviewed replacement. Use the canonical page for current inputs, assumptions, formulas, source links and results. The bundle generation date does not mean that tax rules were reviewed on that date.

## Topics on the page



## Questions and answers from the visible page

### 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.

## Accuracy and corrections

[Methodology](https://www.gstcalculators.in/methodology.html) · [Editorial policy](https://www.gstcalculators.in/editorial-policy.html) · [Disclaimer](https://www.gstcalculators.in/disclaimer.html) · [Report a problem](https://www.gstcalculators.in/contact.html).