NPS Calculator
Your NPS pot at 60 from a monthly contribution, the lump sum you can take, and the pension the rest could buy.
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- Formula shown
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₹5,000 a month from 30 grows to about ₹1,13,02,440 at 60 at a 10% assumed return: ₹90,41,952 as a lump sum and about ₹11,302 a month of pension.
- Lump sum you can take₹90,41,952
- Pension a month from the annuity₹11,302
- Used for the annuity₹22,60,488
- You put in₹18,00,000
How this is worked out
- Pot = P × ((1 + i)^n − 1) ÷ i, with i the monthly rate and n the months to 60.
- Lump sum = pot × (1 − annuity share). Pension a month = annuity amount × annuity rate ÷ 12.
Assumptions
- NPS returns depend on the funds you choose and are not fixed. Annuity rates depend on the insurer and the option chosen.
- Employer contributions and the extra tax deduction are left out; see the tax regime calculator.
NPS exit rules (amended 16 December 2025)
Since December 2025 a subscriber outside government may take up to 80% as a lump sum at 60; government subscribers keep 60% lump sum and at least 40% annuity. Small corpora have other options.
In force from 16 December 2025 · checked by Savingy on 1 November 2026
The formula
Pot at 60 = P × ((1 + i)^n − 1) ÷ i
Lump sum = pot × (1 − annuity share); pension a month = annuity amount × annuity rate ÷ 12
- P: your monthly contribution
- i: the monthly rate: the assumed yearly return ÷ 12
- n: months until 60
At least 20% must buy an annuity outside government (40% for government subscribers), under the rules amended in December 2025.
A worked example
₹5,000 a month from age 30 at 10% grows to about ₹1,13,02,440 at 60.
Questions people ask
How much can I withdraw from NPS at 60?
Since the December 2025 amendment, a subscriber outside government can take up to 80% as a lump sum and must use at least 20% to buy an annuity. Government subscribers keep the 60% lump sum and 40% annuity split. Smaller pots have other options.
Is the NPS return fixed?
No. It depends on the mix of equity, corporate bonds and government securities you choose and on markets. The calculator uses one assumed return for every year so you can compare contributions and ages.
What pension will the annuity pay?
That depends on the insurer, your age and the option you choose, such as a pension for life or one that continues to a spouse. The calculator uses an assumed annuity rate you can change.
From the Savingy Guide
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Further reading
Sources
Estimates are for illustration only and assume constant returns. Actual returns vary with market conditions. This is not investment advice.