NPS Calculator
Updated 20 August 2026
Estimate your National Pension System corpus at retirement, the tax-free lumpsum you can withdraw, and the approximate monthly pension from annuitisation.
Open the Live NPS Calculator →Frequently asked questions
What is the National Pension System (NPS)?
NPS is a government-regulated, market-linked retirement savings scheme open to Indian citizens aged 18 to 70, where regular contributions are invested in a mix of equity, corporate bonds, and government securities, building a corpus for retirement that is partly withdrawn as a lumpsum and partly used to buy an annuity.
How does the NPS calculator estimate my retirement corpus?
It projects your regular monthly contributions growing at an assumed annual rate of return until your chosen retirement age, using compound growth on a monthly SIP-style basis, and then splits the resulting corpus between a lumpsum withdrawal and an annuity purchase based on your inputs.
What is the minimum and maximum age to open an NPS account?
Indian citizens can open an NPS account between the ages of 18 and 70, and can continue contributing until age 75 under certain conditions, though the earlier you start, the more time your contributions have to compound.
What are NPS Tier I and Tier II accounts?
Tier I is the primary retirement account with tax benefits but restricted withdrawal rules and a lock-in until retirement, while Tier II is a voluntary savings account with no lock-in and full withdrawal flexibility, but it does not carry the same tax benefits as Tier I.