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NPS Calculator

Tier I stays locked until age 60
₹
Minimum ₹1,000 per year keeps Tier I active
%
Blended E + C + G return, not guaranteed
%
Statutory floor: 40% must buy an annuity
%
Years to vesting
30 yrs
360 monthly contributions of ₹5,000
Corpus at 60
₹1.13 Cr
₹1,13,02,440
Monthly Pension
₹22,605
at 6% annuity rate
Total Gains
₹95.02 L
on ₹18.00 L invested
How your corpus splits at 60
60%
40%
Lump sum you withdraw
₹67,81,464
Tax-free at withdrawal under Section 10(12A)
Annuity corpus (locked)
₹45,20,976
Buys a pension of ₹22,605 per month

₹45,20,976 × 6% ÷ 12 = ₹22,605 per month, paid for life by an IRDAI-registered annuity service provider.

Year-by-year NPS growth to age 60
Age 31Age 60
Your contributions
Market growth
Monthly pension by annuity rate
Annuity rateMonthly pensionAnnual pension
5%₹18,837₹2,26,049
6%₹22,605₹2,71,259
7%₹26,372₹3,16,468

Annuity rates are quoted by the provider you pick at 60 and vary by option. A joint-life annuity with return of purchase price pays less than a single-life annuity without it.

✨ Live · NPS Tier I · 60% lump sum tax-free, minimum 40% annuitised, pension taxed at slab rate

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