NPS Calculator
Project your National Pension System corpus and explore current exit, annuity, and Section 124 (legacy Section 80CCD) assumptions.
NPS Calculator (National Pension System)
Project market-linked NPS corpus and apply the relevant non-government exit tier.
Normal exit corpus above ₹12 lakh: up to 80% lump sum and at least 20% annuity.
Tax-exempt lump-sum estimate (generally capped at 60% of corpus): ₹12,53,773. Additional permitted lump sum potentially taxable: ₹4,17,924.
Pension assumes the entire remaining annuity corpus is annuitized at the entered 6% p.a.; actual annuity income is taxable and provider rates vary.
Source: PFRDA non-government NPS exit rules. The represented allocation tables took effect on 16 December 2025; the July 2026 amendment concerns operationalisation of specific-purpose schemes and does not change these tiers. NPS returns are market-linked and not guaranteed.
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Frequently Asked Questions (FAQs)
For an eligible non-government normal exit after age 60 or 15 years, current PFRDA exit rules may permit a lump sum of up to 80% with at least 20% used for annuity, subject to corpus-based exceptions. The income-tax exclusion for an NPS closure/opt-out lump sum is generally limited to 60% of the corpus. A permitted withdrawal is therefore not automatically fully tax-exempt.