NPS Calculator Online – National Pension Scheme Pension Planner | WebTorq
Calculate National Pension System (NPS) maturity accumulations, lump-sum withdrawals, annuity purchases, and monthly pension payouts using the latest PFRDA exit options.
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How to use NPS Calculator
- 1
Select your sector category (All Citizens vs Government Sector).
- 2
Input your current age, planned retirement age, and monthly contribution amount.
- 3
Specify your expected growth rate, annuity yield, and annual step-up percentage.
- 4
Use the slider to adjust your annuity purchase allocation percentage and view your monthly pension.
Capabilities
- Applies updated PFRDA exit options (₹8 Lakh/₹5 Lakh full lump-sum thresholds)
- Enforces minimum annuity allocation limits dynamically by sector (20% vs 40%)
- Compares alternate scenarios under 8%, 10%, and 12% interest rates
- Calculates monthly compounding and annual step-up contribution growth
This tool operates in a sandbox directly inside your web browser. All parsing, processing, and downloads are rendered locally. Your file size, metadata, and contents never cross the network. It works completely offline.
Frequently Asked Questions
What are the exit rules at age 60 under NPS?
For Non-Government subscribers, you can withdraw up to 80% as a lump sum (minimum 20% annuity purchase). If your total corpus is ₹8 Lakh or less, you can withdraw the entire 100% as a lump sum.
Is the NPS lump sum withdrawal taxable?
No. The lump sum withdrawal of up to 60% of the corpus at retirement is entirely tax-free. Slabs u/s rules are exempt-exempt-exempt (EEE).