Tools · Investment
NPS Calculator
Project your National Pension System corpus at retirement, plus the lump sum you can withdraw and the monthly pension it can fund.
Your numbers
Your current age. NPS has age limits and affects contribution limits and withdrawal rules.
Age at which you plan to retire. NPS allows partial withdrawal after 60 years.
Expected annual return from NPS investments. Historical returns are around 8-12%.
Percentage of corpus to be used for annuity purchase. Minimum 40% for government employees, 80% for others.
Expected annuity rate for pension. This determines your monthly pension amount.
Result
₹0
corpus at retirement
- Total investment
- ₹0
- Total returns
- ₹0
- Corpus at retirement
- ₹0
- Growth multiple
- -
- Lump sum withdrawal
- ₹0
- Annuity corpus
- ₹0
- Monthly pension
- ₹0
Excellent annual contribution of ₹6,00,000 in NPS for retirement planning.
Good expected return of 12% for balanced risk-reward in NPS.
Lower annuity purchase of 40% allows higher lump sum but reduces monthly pension.
Your NPS contribution of ₹6,00,000 qualifies for tax benefits under Section 80C and 80CCD.
How NPS is calculated
- Investment amount: The fixed amount invested every month or year.
- Current age: Your present age when you start investing.
- Retirement age: The age at which you plan to retire.
- Expected returns: The annual return you expect from your NPS investment.
- Annuity purchase %: The portion of your corpus used to buy an annuity at retirement.
- Annuity rate: The expected annual return from the annuity after retirement.
Frequently asked questions
Results are estimates for education and planning, not financial advice.
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