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Estimate your NPS corpus and additional 80CCD(1B) tax savings.
TaxNext's NPS calculator projects the retirement corpus from a National Pension System contribution, then splits it into the lump sum withdrawal and the annuity portion that funds a monthly pension. It's aimed at anyone planning retirement savings through NPS or checking whether their current contribution rate is on track.
Over 30 years, the projected corpus is many times the amount actually contributed — the earlier NPS contributions start, the more time compounding has to work.
With only 15 years to retirement, a much higher monthly contribution is needed to build a comparable corpus — starting later means compounding has less time to do the work.
A projection based on a constant monthly contribution and a constant assumed return — real NPS returns vary by year and by the fund/asset-allocation choice a subscriber makes, and this doesn't model contribution changes over a career. The 60/40 split shown is the tax-free-illustrative assumption this calculator uses, not a withdrawal ceiling — a December 2025 PFRDA change lets non-government subscribers withdraw up to 80% as a lump sum, but section 10(12A) still exempts only 60% from tax, so any lump sum taken above that remains taxable. The monthly pension figure assumes a 6% annuity rate, which varies by insurer and market conditions at the time of purchase.
Figures are illustrative estimates, not investment advice.
Reviewed by VNAV & Associates, Chartered Accountants. Last updated: August 2026.
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