📈 NPS Calculator

Planning retirement with NPS? Our NPS calculator estimates your National Pension System corpus at age 60 — including the annuity purchase and monthly pension you could receive.

📅 Last updated: October 2026

NPS Calculator

Monthly NPS contribution se estimated retirement corpus.

Monthly contribution

₹1,000₹50,000

Expected annual return

0%15%

Current age

1859

Retirement age

6075

Estimated retirement corpus₹1,13,96,627

Total invested₹18,00,000

Estimated gains₹95,96,627

Market-linked estimate; actual NPS returns vary by fund performance.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

NPS calculator kaise use kare?

Monthly contribution, expected annual return, current age aur retirement age dalein. NPS calculator monthly compounding se estimated retirement corpus, total investment aur gains dikhata hai. NPS market-linked hai — returns guaranteed nahi hote.

How to Use

Enter your monthly NPS contribution.
Set your current age and retirement at 60.
Choose an expected return (default ~10%).
See your projected corpus, annuity value and monthly pension.

📋 Returns market-linked hain (guaranteed nahi) — tax rules as per FY 2026-27, verify on incometax.gov.in.

Formula

Corpus = monthly contribution compounded at expected returns till age 60. At maturity, minimum 40% must buy an annuity; up to 60% can be withdrawn lump-sum (tax-free).

💡 Example

Example: ₹10,000/month from age 30 to 60 at 10% → corpus ≈ ₹2.27 crore. 40% annuity (~₹91 lakh) could give ~₹60,000/month pension at 8% annuity rate.

FAQs — NPS Calculator

NPS (National Pension System) is a government retirement scheme where you invest till age 60, building a corpus that's partly annuitised into lifelong pension.

Up to ₹1.5 lakh under 80C plus an extra ₹50,000 under 80CCD(1B) — total ₹2 lakh deduction (old regime).

Partial withdrawals up to 25% allowed after 3 years for specific needs. Full exit before 60 requires 80% annuitisation.

NPS offers market-linked higher returns with pension; PPF is fully safe and tax-free but lower returns. Many use both.

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