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Calculators

NPS calculator

See what monthly NPS contributions could grow to, how much you can take out as a lump sum under the exit rules notified in December 2025, and roughly what pension the rest could pay.

₹
Yours plus your employer's, if any.
%
years
years
All Citizen subscribers can exit at 60 or after 15 years; corporate subscribers at retirement. You can stay invested up to 85.
%
Depends on how much is in equity. Not guaranteed.
%
Up to 80% for non-government subscribers, 60% for government ones.
%
Life annuities have paid roughly 6% to 7% a year. Rates change.
Corpus at exit–
Lump sum–
Goes into annuity–
Pension, rough–

Your NPS corpus, by age

The exit rules since December 2025

PFRDA changed the exit rules for subscribers who are not government employees, including corporate and self-employed ones, in December 2025.

  • At normal exit (for All Citizen subscribers, 60 or after 15 years; for corporate subscribers, retirement) you can take up to 80% as a lump sum. At least 20% must buy an annuity.
  • If the corpus is ₹8 lakh or less, you can take all of it.
  • Between ₹8 lakh and ₹12 lakh, you can take up to ₹6 lakh at once and the rest over at least 6 years, or as an annuity.
  • Leaving before normal exit: 20% lump sum, 80% annuity, or all of it if the corpus is ₹5 lakh or less.
  • You can stay invested until 85.

Government employees still take up to 60% and must put at least 40% into an annuity, but the ₹8 lakh, ₹12 lakh and ₹5 lakh small-corpus rules apply to them too. This calculator applies the ₹8 lakh rule to everyone but not the ₹8 lakh to ₹12 lakh middle band.

Tax

60% of the corpus taken as a lump sum is tax free. The extra 20% that non-government subscribers can now take is taxed at your slab rate unless the law is changed. The pension from the annuity is income, taxed every year at your slab. Your own contributions get an extra ₹50,000 deduction in the old regime only (section 124 of the new Act, formerly 80CCD(1B)). Your employer's contribution is deductible up to 14% of basic pay plus DA in the new regime; in the old regime 10%, or 14% for government employers.

Charges from 1 October 2026

Accounts opened through a bank or other point of presence pay ₹200 at opening (₹100 if fully digital), taken as ₹50 a quarter, and 0.20% of the corpus a year. Accounts opened and funded through e-NPS pay no point-of-presence charges.

Guides

Questions

How much of my NPS can I withdraw at 60?

Up to 80% if you are not a government employee, and up to 60% if you are. Anyone can take all of it if the corpus is ₹8 lakh or less. The rest buys an annuity.

Is the whole lump sum tax free?

Only 60% of the corpus. If you take 80%, the extra 20% is added to your income for that year, as the law stands in October 2026.

What return should I assume?

There is no fixed return. Equity-heavy choices have returned more over long periods, with bigger swings. Try a few rates to see the range.

Sources

For illustration only. NPS returns are market linked and not guaranteed, and annuity rates change. Check the rules with PFRDA or your point of presence. Saifu does not sell NPS or annuities.

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