NPS Calculator
Corpus at 60, the mandatory annuity and your monthly pension.
NPS invests your contributions until 60, when at least 40% must buy an annuity and up to 60% can be withdrawn tax-free. Contributing ₹10,000 a month for 25 years at 10% builds about ₹1.34 crore, giving roughly ₹80 lakh lumpsum and a pension near ₹27,000 a month at a 6% annuity rate.
Your Inputs
Corpus at exit
Contributed
₹30 L
Growth
₹1.04 Cr
Tax-free lumpsum
₹80,27,342
Monthly pension
₹26,758
Tenure Impact Analysis
See how the final corpus changes if you stay invested longer.
₹1.34 Cr
Baseline
Selected tenure
₹2.28 Cr
+₹94.14 L total
70.4% Growth
₹3.83 Cr
+₹2.49 Cr total
186.1% Growth
How this works
What NPS is genuinely good at
Costs. Fund management charges are 0.03-0.09% a year, a fraction of a mutual fund's expense ratio, and the 80CCD(2) employer route is the only large deduction that survives in the new tax regime. Over 25 years, that cost gap alone is worth several lakh.
The lock-in and the annuity
Money is locked until 60 apart from limited partial withdrawals (25% after 3 years, for specified needs). At exit, 40% must buy an annuity from an insurer; if the corpus is ₹5 lakh or less, you may withdraw it entirely. Annuity income is taxed as salary.
Active vs auto choice
Active choice lets you set equity up to 75% until 50, then it tapers. Auto choice (aggressive, moderate, conservative lifecycle funds) rebalances by age automatically. For most investors under 45, active choice with maximum equity is the higher-expected-return option.