Split a projected NPS corpus between a lump sum and annuity, then estimate monthly annuity income using your payout assumption.
Exit and tax rules vary by sector, age, corpus, exit timing and current regulations. This is not a recommendation or a guaranteed annuity quote; use a current NPS/annuity statement.
Method: This calculator applies the values and assumptions you enter, shows each arithmetic step clearly, and identifies scheme or tax conditions that require current official confirmation.
Inputs used: Currency = INR; Projected NPS corpus at exit = 2,000,000; Lump-sum allocation = 60 %; Annuity allocation = 40 %; Illustrative annual annuity payout rate = 6 %
Assumptions: The result uses the values, units and options shown in the input snapshot.
Scope and warnings: Exit and tax rules vary by sector, age, corpus, exit timing and current regulations. This is not a recommendation or a guaranteed annuity quote; use a current NPS/annuity statement. Rounding and excluded real-world terms can make an external result differ.
EPFO contribution rates · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
PFRDA NPS exit guidance · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
Income Tax Department tax payments and TDS · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
This calculator applies the values and assumptions you enter, shows each arithmetic step clearly, and identifies scheme or tax conditions that require current official confirmation.
Enter a documented salary, contribution, withdrawal or tax scenario, then compare each result with the relevant official statement or certificate.
This page is an educational planning calculation. It does not determine eligibility, legal classification, statutory limits, tax liability, account balance or a government benefit. Confirm the current rules and your records before acting.
Calculations run on your device. Review your results before exporting or sharing them.
The lump-sum allocation and annuity allocation must total 100%, and the monthly income is based on your payout-rate assumption.
Annuity quotes and NPS exit conditions depend on current rules and your selected provider.
Published by ToolMitra — methods and editorial approach.