NPS Calculator

Plan your retirement with National Pension System and estimate your pension.

Your monthly NPS contribution.
Yr
Your current age.
Yr
Your planned retirement age.
%
Expected annual return.
%
% for annuity (min 40%).

Tax Benefits

Additional ₹50,000 deduction under 80CCD(1B) over 80C limit.

Total Corpus at Retirement

₹ 0

Estimated monthly pension: ₹0

Invested

Total Contributed

0

Lump Sum

Tax-Free Withdrawal

0

Gains

Wealth Gained

0

Corpus Growth Over Years

Documentation

How NPS Works

National Pension System is a government-sponsored pension scheme. At retirement, you must use minimum 40% of corpus to buy an annuity for regular pension.

Withdrawal Rules

"60% lump sum (tax-free), 40% minimum annuity for monthly pension. Partial withdrawal allowed after 3 years."

Tax Benefits

80CCD(1)₹1.5 Lakh (within 80C)
80CCD(1B)₹50,000 (Additional)
Total DeductionUp to ₹2 Lakh

Last Updated: January 2026

Note: Employer contribution (80CCD2) up to 10% of salary is additionally exempt. Calculations are estimates based on assumed returns.

How to Use

About the NPS Calculator

What it calculates

Projects National Pension System (NPS) corpus and monthly pension at retirement based on contributions and expected returns.

When to use it

Use for retirement planning in India to compare NPS with EPF, PPF, and other long-term savings options.

Example

Contributing ₹5,000/month from age 30 to 60 at 10% return can build a corpus of roughly ₹1.1 crore.

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