Retirement
NPS Calculator
Build a retirement corpus and pension.
How to use this
NPS is a low-cost, market-linked pension. At 60, 60% is tax-free and 40% must buy an annuity (taxable pension). The extra ₹50,000 deduction under 80CCD(1B) is on top of your 80C limit — useful for high earners.
Retirement corpus
₹1.14Cr
Invested₹18L
Pension/mo₹22.79K
Lump sum₹68.38L
Contributing ₹5,000/month for 30 years builds ₹1,13,96,627 — a ~₹22,793/month pension (40% annuitised at 6%) plus ₹68,37,976 tax-free.
Partner offer
Open an NPS Tier-1 account online
Extra ₹50,000 tax deduction under 80CCD(1B).
Know the scheme: National Pension System (NPS)
| Returns | Market-linked; you choose the equity/debt mix (equity up to 75%) |
| Lock-in | Tier-1 locks until age 60 |
| Tax benefit | 80C up to ₹1.5L + extra ₹50,000 under 80CCD(1B); employer contributions extra under 80CCD(2) |
| At 60 | Up to 60% withdrawn tax-free; at least 40% must buy an annuity (pension taxable) |
| Cost | Among the lowest fund-management fees of any Indian investment product |
Key rules
- Partial withdrawal of up to 25% of your own contributions is allowed 3 times, for specific needs, after 3 years.
- Early exit before 60 requires 80% of the corpus to be annuitised.
- Choose Active (set your own mix) or Auto (age-based glide path) allocation; you can switch fund managers.
Frequently asked
How much NPS can I withdraw at 60?
Up to 60% of the corpus is a tax-free lump sum; at least 40% must be used to buy an annuity that pays your monthly pension.
Is the NPS Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the NPS Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.