⚡ Updated with December 2025 PFRDA Amendments

NPS Calculator 2025-26
National Pension System

India's most accurate NPS Calculator — plan your retirement corpus, monthly pension, lump sum withdrawal & tax savings. Features 80% lump sum rule, exit age 85, and Budget 2025 changes.

Free & Instant Results PFRDA Rules Dec 2025 Govt + Non-Govt + Vatsalya < 0.1% Calculator Variance
₹16L Cr+
NPS AUM (Oct 2025)
1.5 Cr+
Active Subscribers
9-12%
Historical Returns
₹2L
Max Tax Deduction
Select your NPS scheme preference.
Age 18–70 years.
Enter your current NPS Tier 1 balance. 0 for new subscribers.
Total monthly: Employee + Employer + Voluntary contribution.
Enter the age until which you plan to contribute. Min 60, Max 75.
Leave blank for exit at retirement age. Max 75 years. No contributions during deferment.
5%
Planned % increase in contributions annually (e.g., aligned with salary growth).
10%
Expected annual return. NPS equity ~12-14%, bonds ~8-10%. For balanced estimate use 9-10%.
Annuity & Pension Settings
40%
Portion of corpus for monthly pension. PFRDA mandates minimum 40% at normal exit (age 60+).
6%
Rate from annuity provider. Current market rates ~5-7% for life annuity with return of purchase price.
Enter the pension you want — we'll show options to achieve it (increase contribution or annuity ratio).
Select your NPS scheme preference.
Age 18–70 years.
Enter your current NPS Tier 1 balance. 0 for new subscribers.
Total monthly: Employee + Employer + Voluntary contribution.
Enter the age until which you plan to contribute. Min 60, Max 75.
Leave blank for exit at retirement age. Max 75 years. No contributions during deferment.
5%
Planned % increase in contributions annually (e.g., aligned with salary growth).
10%
Expected annual return. NPS equity ~12-14%, bonds ~8-10%. For balanced estimate use 9-10%.
Annuity & Pension Settings
40%
Portion of corpus for monthly pension. PFRDA mandates minimum 40% at normal exit (age 60+).
6%
Rate from annuity provider. Current market rates ~5-7% for life annuity with return of purchase price.
Enter the pension you want — we'll show options to achieve it (increase contribution or annuity ratio).
Select your NPS scheme preference.
Age 0–17 years.
Minimum ₹1,000/year (~₹84/month).
5%
Planned % increase in contributions annually (e.g., aligned with salary growth).
10%
Expected annual return. NPS equity ~12-14%, bonds ~8-10%. For balanced estimate use 9-10%.
Enter target corpus — we'll calculate the required monthly contribution.
Complete NPS Guide

Everything About National Pension System

In-depth, research-backed guides covering every aspect of NPS — from tax benefits to withdrawal rules.

💰

NPS Tax Benefits 2025-26

Section 80CCD deductions, Old vs New regime comparison, employer contribution benefits — save up to ₹2 lakh in taxes.

Read Full Guide →
📋

NPS Withdrawal Rules 2025

Dec 2025 PFRDA amendments — 80% lump sum for non-govt, age 85 extension, SLW/SUR options, corpus-based slabs.

Read Full Guide →
⚖️

NPS Tier 1 vs Tier 2

Complete comparison — lock-in period, tax treatment, withdrawal flexibility, minimum contribution & who should choose what.

Read Full Guide →
📈

NPS Returns & Fund Performance

Scheme E, C, G returns. 11 pension fund managers ranked. CAGR data. How asset allocation affects your retirement corpus.

Read Full Guide →
👶

NPS Vatsalya Complete Guide

PFRDA 2025 guidelines, exit rules at 18, partial withdrawal, asset allocation, ₹8 lakh threshold — everything parents need.

Read Full Guide →
🏛️

NPS Architecture & How It Works

PFRDA, NPS Trust, CRA, Pension Funds, Trustee Bank, Custodian, Point of Presence — the full NPS ecosystem explained.

Latest NPS Updates →