NPS Calculator: Pension & Lump Sum at 60
Estimate your National Pension System corpus, tax-free lump sum and monthly pension at retirement.
Year-by-year table
How NPS pays out
At 60, at least 40% of the NPS corpus must buy an annuity (a monthly pension from an insurer); up to 60% can be taken as a tax-free lump sum. The pension is taxable as income.
Tax benefits
- Old regime: up to ₹1.5 lakh under 80C plus an extra ₹50,000 under 80CCD(1B).
- Both regimes: employer contributions up to 14% of basic salary under 80CCD(2).
Returns depend on your equity share (up to 75% in active choice). The annuity rate is set by the insurer when you retire.
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This is an estimate for planning only, not financial, tax or medical advice.