National Pension System (NPS Tier 1) retirement corpus planner. Computes compounded returns on monthly contributions, 60% tax-free lump sum withdrawal, and monthly annuity pension yields.
Runs entirely in your browser
The National Pension System (NPS) is a retirement scheme where your Tier 1 contributions are invested and grow until retirement, at which point a portion can be withdrawn tax-free as a lump sum and the rest must buy an annuity that pays a monthly pension. This calculator projects the corpus from your monthly contributions and expected return, then splits it into the 60% tax-free lump sum and the annuity that funds your pension.
The lump-sum-versus-annuity split is the crucial part of NPS planning: up to 60% can be taken tax-free, while the remainder buys the pension, so your monthly income in retirement depends on both the corpus size and the annuity rate. Seeing all three figures — corpus, lump sum, pension — makes the outcome concrete.
It runs in your browser, so your figures stay private. Returns and annuity rates are not guaranteed and rules can change, so use the projection to plan and compare rather than as a fixed promise.
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