NPS Calculator

Plan your retirement with our National Pension System (NPS) calculator.

Accurate pension projections
Tax benefit calculations
Visual growth charts
Retirement Planning
Years
Enter age between 18 and 59 years.
Your current age (18–59 years).
₹
Enter contribution (₹500–₹5,00,000).
Monthly investment in NPS.
%
Enter return rate between 9–14%.
Typical NPS returns: Equity ~12%, Debt ~8%.
%
Enter annuity percentage (40–100%).
Minimum 40% for annuity.
%
Enter annuity rate between 4–8%.
Expected annuity return rate.

Estimated Retirement Benefits

Total Invested
₹0
Retirement Corpus
₹0
Lump Sum
₹0
Monthly Pension
₹0
Tax Savings (Annual)
₹0
How NPS Works
Contribute Monthly

Invest monthly in NPS Tier I.

Market-Linked Growth

Funds grow based on equity/debt choices.

Retirement Benefits

Withdraw up to 60% lump sum, 40% for annuity.

YearInvested (₹)Corpus (₹)Lump Sum (₹)Monthly Pension (₹)Tax Savings (₹)

What is NPS?

The National Pension System (NPS) is a government-backed retirement plan to build a corpus through regular contributions, offering market-linked returns.

At age 60, withdraw up to 60% as a tax-free lump sum and use at least 40% for an annuity. Tax benefits apply under Sections 80C and 80CCD(1B).

Did You Know?

₹5,000 monthly at 10% for 30 years can grow to ~₹2.27 crore!

Benefits of NPS

Deductions up to ₹2 lakh under 80C and 80CCD(1B).

Higher returns (Equity: ~12%, Debt: ~8%).

Adjust contributions and choose investment modes.

Frequently Asked Questions

Estimates corpus and pension based on monthly contributions and returns.

No, returns are market-linked (9–14%).

Up to ₹2 lakh deductions; 60% lump sum is tax-free.