NPS Calculator - National Pension System Returns
Calculate your NPS corpus at retirement, annuity income, and lump sum amount. Plan your pension with the National Pension System calculator.
Calculate NPS
Your current age (NPS entry: 18-65 years)
Monthly NPS contribution amount
Expected annual return (equity: 10-12%, debt: 8-9%)
Normal NPS maturity age is 60
Total Corpus at Retirement
₹0
Annuity Investment (40%)
₹0
Lump Sum Withdrawal (60%)
₹0
Total Amount Invested
₹18,00,000
Returns Earned
₹0
Breakdown
How to Use This NPS Calculator
Using our NPS Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.
All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.
The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.
Formula & Explanation
NPS Corpus = Σ Monthly Contribution × (1 + r/12)^(months remaining)NPS corpus is calculated by compounding each monthly contribution at the expected rate of return until retirement at age 60. At maturity, minimum 40% must be used to purchase an annuity (pension), and up to 60% can be withdrawn as tax-free lump sum.
Calculation Examples
Young Professional (Age 25)
₹5,000/month at 10% returns, retire at 60
Corpus: ₹1.12 Cr | Lump Sum: ₹67.2L | Annuity: ₹44.8L
Mid-Career (Age 35)
₹10,000/month at 10% returns, retire at 60
Corpus: ₹1.33 Cr | Lump Sum: ₹79.8L | Annuity: ₹53.2L
Aggressive Saver (Age 30)
₹15,000/month at 12% returns, retire at 60
Corpus: ₹3.24 Cr | Lump Sum: ₹1.94 Cr | Annuity: ₹1.30 Cr
Benefits
- Additional ₹50,000 tax deduction under 80CCD(1B)
- Market-linked returns higher than PPF/EPF
- Low fund management charges (0.01%)
- Flexible asset allocation choice
- Government-regulated pension scheme
Use Cases
- Building retirement pension corpus
- Claiming additional tax deductions beyond 80C
- Supplementing EPF for retirement
- Creating guaranteed monthly pension
- Long-term wealth creation with tax efficiency
About NPS Calculator
Our NPS Calculator helps you estimate the retirement corpus you can build through the National Pension System. NPS is a government-sponsored pension scheme that offers market-linked returns with tax benefits under Section 80CCD. Calculate your monthly pension and lump sum amount at age 60.
Frequently Asked Questions
NPS offers tax benefits under three sections: ₹1.5L under 80CCD(1) within 80C limit, additional ₹50,000 under 80CCD(1B), and employer contribution up to 10% of salary under 80CCD(2). The 60% lump sum at maturity is tax-free.
The minimum contribution is ₹500 per month or ₹6,000 per year for Tier-I account. There's no upper limit on contributions. Tier-II account requires minimum ₹250 per contribution.
Partial withdrawal (up to 25% of own contributions) is allowed after 3 years for specific purposes like education, marriage, home purchase, or medical treatment. Premature exit before 60 requires 80% annuity purchase.
NPS returns are market-linked and vary by asset class. Historically, NPS equity (Scheme E) has given 10-12% CAGR, corporate bonds (Scheme C) 8-10%, and government securities (Scheme G) 8-9% over 10+ years.