NPS Calculator
Calculate your National Pension System corpus, monthly pension and lump sum amount at retirement.
🏦NPS Details
Lump Sum
₹1.15 Cr
Total Invested
₹21.00 L
Investment vs Returns
Corpus Growth
Pension Planning
Plan your retirement with NPS and estimate monthly pension amount.
Tax Benefits
Additional ₹50,000 deduction under Section 80CCD(1B) over 80C limit.
Corpus Projection
See how your NPS corpus grows from current age to retirement.
How to Use
Set Monthly SIP
Enter your monthly NPS contribution amount.
Enter Age Details
Set your current age and expected retirement age.
Set Return Rate
Expected return based on your NPS asset allocation.
View Pension
See total corpus, lump sum and monthly pension estimate.
The Formula
Corpus = P × [((1+r)^n - 1) / r] × (1+r)Frequently Asked Questions
What is NPS?
NPS (National Pension System) is a government-backed retirement savings scheme that invests in equity, corporate bonds, and government securities to build a retirement corpus.
What are NPS tax benefits?
NPS offers: ₹1.5 lakh under 80CCD(1) within 80C limit + additional ₹50,000 under 80CCD(1B). Employer contribution up to 10% of salary under 80CCD(2).
What is the minimum NPS contribution?
Minimum ₹1,000 per year for Tier 1. No minimum for Tier 2. You need at least 1 contribution per year to keep account active.
Can I withdraw before retirement?
Partial withdrawal allowed after 3 years for specific purposes (education, medical, house). Up to 25% of own contributions can be withdrawn.
What percentage must be used for annuity?
Minimum 40% of corpus must be used to buy annuity (pension). Remaining 60% can be withdrawn as tax-free lump sum.
Which NPS fund should I choose?
For young investors (under 35), aggressive allocation (75% equity) is recommended. As you near retirement, shift to conservative (more debt/govt securities).