NPS Calculator Pension & Corpus Estimator
Plan Your Secure Retirement with National Pension System
Calculate your retirement corpus, monthly pension, and lumpsum withdrawal from NPS. Get detailed projections based on your contributions and expected returns.
NPS Calculator
National Pension System - Plan Your Retirement
NPS allows withdrawal from age 60
Minimum ₹500 per month recommended
Typical range: 8-12% based on asset allocation
Expected yearly increase in contribution
Expected annuity return rate (typical: 5-7%)
💡 Tip: NPS offers tax benefits under Section 80CCD with additional ₹50,000 deduction. Returns typically range from 8-12% based on asset allocation.
Understanding NPS (National Pension System)
What is NPS?
- Government-sponsored pension scheme for all Indian citizens
- Voluntary defined contribution pension system
- Regulated by PFRDA (Pension Fund Regulatory & Development Authority)
- Available to anyone aged 18-70 years
Key Features
- Minimum: ₹500 per month (₹6,000 per year)
- Maximum: No upper limit on contributions
- Returns: Market-linked (8-12% typically)
- Choose between Active or Auto asset allocation
Tax Benefits
Within overall 80C limit of ₹1.5 lakh
Extra deduction over and above 80C
Employer contribution (for salaried)
Withdrawal Rules
- At 60 years: 60% must be used to buy annuity
- 40% can be withdrawn as lumpsum (tax-free)
- Partial Withdrawal: Up to 25% after 3 years
- Maximum 3 partial withdrawals allowed
Asset Classes
- Equity (E): Up to 75% in stocks (higher risk, higher returns)
- Corporate Bonds (C): Debt instruments
- Government Securities (G): Safest, lower returns
- Alternative Assets (A): REITs, InvITs (up to 5%)
Why Choose NPS?
Extra ₹50,000 over 80C limit
Potential for 10-12% annual returns
One of the lowest-cost pension products
Choose your asset allocation
Continue even after job changes
Annuity provides lifelong income
Disclaimer
This calculator provides estimates based on the inputs provided and assumed rates of return. Actual NPS returns are market-linked and may vary based on your asset allocation and market conditions. The annuity rate and monthly pension amounts are indicative and depend on prevailing annuity rates at retirement. For official NPS account details, please visit the CRA system at www.npscra.nsdl.co.in. This calculator is for informational purposes only and should not be considered as financial advice. Please consult with a financial advisor for personalized retirement planning.