# NPS Calculator

Author: C.K. Gupta
Published: 2026-03-11

Source: https://taxgst.in/nps-calculator/

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## Frequently Asked Questions

Find answers to common questions about nps calculator. Click on any question to expand the answer.

The National Pension System (NPS) is a retirement savings scheme under the Income Tax Act, 2025. You can use our NPS calculator to estimate your monthly pension and lump sum withdrawal amount based on your contributions.

This calculator projects your potential retirement corpus based on your monthly contributions, age, and expected returns. It also shows the estimated lump-sum amount you can withdraw at retirement and the expected monthly pension you will receive.

NPS returns are market-linked and depend on the performance of your chosen pension fund and asset allocation (equity, corporate bonds, government securities). Historically, returns have been in the range of 9-12% per annum.

At age 60, you can withdraw up to 60% of your total corpus as a tax-free lump sum. The remaining 40% must be used to purchase an annuity plan, which will provide you with a regular monthly pension.

Under the Income Tax Act, 2025, NPS offers attractive tax benefits. You can claim deductions under Section 80C (up to ₹1.5 Lakh for self-contribution), an additional exclusive deduction of up to ₹50,000 under Section 80CCD(1B), and employer's contribution up to 10% of salary (14% for central government) under Section 80CCD(2) is available under both old and new tax regimes.