NPS Calculator
See how much pension you could get at 60 — and the tax you save along the way.
Minimum 40% mandatory
Corpus Split at Retirement
Tax Benefits
* NPS returns are market-linked and not guaranteed. The calculator provides estimates based on assumed rates. Actual returns may vary. Minimum 40% annuity purchase is mandatory. Consult a PFRDA-registered advisor.
NPS Calculator कसरी प्रयोग गर्ने
- 1
Enter your monthly NPS contribution amount.
- 2
Enter your current age (maturity is at age 60).
- 3
Set the expected annual return rate (typically 8-12%).
- 4
Adjust the annuity purchase percentage (minimum 40% as per NPS rules).
- 5
Set the expected annuity rate (typically 5-7%).
- 6
View your total corpus, lump sum, monthly pension, and tax benefits.
NPS Calculator बारेमा
NPS is one of those things your HR sends you a form about and you think "I'll deal with it later." But here's the thing — ₹5,000 a month starting at age 25 can build a corpus of over ₹1 crore by 60. Start at 35 and that same amount gets you roughly ₹35 lakh. Time matters more than amount with NPS, and this NPS calculator shows you exactly how much.
What the calculator tells you
Enter your monthly contribution, current age, and expected return rate. You'll see your total corpus at age 60, split into two parts: the lump sum you can withdraw tax-free (up to 60%) and the annuity portion (minimum 40%) that converts into your monthly pension. The pension estimate is based on the annuity rate you choose — typically 5-7% from insurance companies.
The tax angle (this is the good part)
NPS gives you deductions in three places: up to ₹1.5 lakh under Section 80CCD(1) within the 80C umbrella, an extra ₹50,000 under 80CCD(1B) that's over and above the 80C limit, and if your employer contributes, that's deductible under 80CCD(2). For someone in the 30% tax bracket, the 1B benefit alone saves ₹15,600 in tax every year.
What most people get wrong
People assume NPS gives low returns because it's government-backed. In reality, NPS equity funds have delivered 10-14% CAGR historically. The lock-in until 60 is the real trade-off — but that's also what makes it effective. You can't impulsively withdraw it. The calculator lets you model different return scenarios so you can see the range of outcomes.