🌅 NPS Calculator
Project your National Pension System corpus at age 60 and the monthly pension it could fund, based on your contribution amount, current age, and expected returns.
NPS rules require at least 40% of your corpus to be converted into an annuity (a regular pension payout) at retirement — only the remaining portion, up to 60%, can be withdrawn as a lump sum, which is what the "Lump Sum (60%)" result reflects.
Frequently Asked Questions
Why can't I withdraw 100% of my NPS corpus at retirement?
NPS is structured specifically as a pension product — current rules mandate that at least 40% goes into an annuity to generate ongoing income, with the rest available as a lump sum withdrawal.
Is the NPS return guaranteed?
No — NPS returns depend on the market performance of the equity/debt/government-bond mix you choose within your NPS account, so actual returns will vary from any assumed figure.
How is NPS different from EPF?
EPF is mandatory for many salaried employees with employer matching; NPS is a voluntary (or in some cases mandatory for government employees) market-linked pension scheme with more investment choice but also more market risk.
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