NPS calculator

What your NPS grows to, the cash you can take out after tax, and the pension the rest buys.

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Your NPS is through

Your age todayyrs

Age when you exityrs

Usually 60. You can stay invested up to 85.

Every month₹

Increase each year%

Raise the monthly amount as your income grows.

NPS balance today₹

In shares%

Up to 75% in the usual active choice, less after 50; up to 100% in some newer schemes. The rest goes into bonds. This keeps the mix the same every year.

Expected return%

A year, before tax. For 50% in shares: 8.1–11.4%, from this site's ranges for index funds and bond funds.

Taken as cash at exit%

Up to 80%. The rest buys a pension.

Pension rate%

What the pension pays a year on the money that buys it. Insurers quote about 5.5–6.5% for a pension that returns the price to your family; get a quote.

Your tax slab

Your NPS at 60Your NPS at 60, in today's money

% inflation

₹98,08,903

Could be ₹72.23 L – ₹1.37 Cr. Take ₹78,47,123 as cash (₹6,12,076 tax), and ₹19,61,781 buys a pension of about ₹9,809 a month.A pension of ₹9,809 a month at 60 would buy what ₹1,946 buys today, if prices rise 5.54% a year.

You put in: ₹18.00 L
Cash after tax: ₹72.35 L
Pension a month: ₹9,809

9.37% a yearafter tax

Balance each yearBalance each year, in today's moneyYour moneyEarned

Normal exit: after 30 years, at 60.Leaving before 60 and before 15 years in NPS is an early exit: at least 80% must buy a pension.

Good to know

Normal exit: after 15 years in NPS or at 60, whichever comes first (at retirement for government and company schemes). You can take up to 80% as cash (government: 60%); the rest must buy a pension (an annuity).
Leave earlier than that and at least 80% must buy a pension. Small balances have more choice: up to ₹8 lakh can all come out as cash at a normal exit.
60% of the balance is tax-free when you take it out. The tax on the extra 20% non-government subscribers may now take hasn't been clarified, so it's taxed here at your slab rate. The pension is taxed as income.
While you're invested, you can take out up to 25% of your own contributions for set needs, up to 4 times before 60, at least 4 years apart.
Under the old regime, up to ₹50,000 a year counts for an extra deduction on top of ₹1.5 lakh; your employer's contribution gets a deduction in both regimes. These savings aren't included above.
Fees are low, about 0.1% a year for fund management plus small account charges; they're not taken off here.
Rules: PFRDA exit regulations, as amended on 16 December 2025.