80% Lump Sum Withdrawal for non-government employees (up from 60%)
Death Benefits Calculator - See what family gets before/after retirement
Annuity Options Comparison - 3 different options with family protection
Retirement Gratuity and Death Gratuity calculations
Maharashtra Family Pension rules (50% for 10 years if death before retirement)
📊 NPS Return Calculator (Updated 2025-26)
Calculate your NPS retirement benefits including corpus, pension, gratuity, and family protection.
This calculator includes the latest PFRDA regulations (December 2025) with 80% withdrawal option for non-government subscribers.
💡 How to Use:
Current/Initial Balance: Enter your current NPS corpus or starting amount (use 0 if starting fresh)
Monthly Contribution: Your average estimated monthly contribution (both employee and employer combined)
Last Basic Salary: Your estimated average basic salary at retirement (for calculating gratuity and family benefits)
💰 Enter Your Details
📈 Your NPS Retirement Benefits
Total Investment (Your Contribution)
Total Corpus at Retirement
60% Lump Sum Withdrawal
Tax-Free Amount (60%)
Taxable Amount (if non-govt)
40% Amount for Annuity
Estimated Monthly Pension
💼 Gratuity Benefits
Retirement Gratuity
Death Gratuity (if death in service)
🔍 Annuity Options Comparison
Compare different annuity options to choose what's best for your family:
Option
Monthly Pension
Corpus to Family After Death
Recommendation
1. Life Only
₹0 - LOST!
❌ Not Recommended
2. Life with Return
✅ Good
3. Joint Life + Return
✅✅ BEST!
💡 Recommendation: Choose "Joint Life with Return" to protect your family.
Small pension reduction (/month) protects for family!
💔 Family Benefits if You Die
🔴 Scenario A: Death BEFORE Retirement (While in Service)
For Maharashtra Govt employees - Special protection:
Family Pension (First 10 Years)
Family Pension (After 10 Years)
Full NPS Corpus (100%)
Death Gratuity
Total Immediate Cash to Family
✅ Excellent Protection! Family gets full corpus + monthly pension for lifetime!
🟡 Scenario B: Death AFTER Retirement
⚠️ WARNING: After retirement, family protection depends on annuity option you choose!
See "Annuity Options Comparison" above.
💰 Complete Retirement Package Summary
At Retirement (Age )
Lump Sum Cash
Retirement Gratuity
Total Cash in Hand
Monthly Pension (from annuity)
20-Year Pension Total
Grand Total Benefits (20 years)
⚠️ Important Disclaimers:
Market Risk: NPS returns depend on market performance and may vary.
Tax: For non-govt subscribers, only 60% lump sum is tax-free; remaining 20% is taxable.
Annuity Choice: Family protection depends on which annuity option you choose at retirement.
Maharashtra Rule: 50% family pension applies only to Maharashtra govt employees if death before retirement.
Gratuity: Maximum retirement gratuity capped at ₹10 lakh.