NPS (National Pension System) Calculator
Last Updated: 8 April 2026
NPS Calculator
Plan your retirement and estimate your monthly pension
What is Understanding the NPS Ecosystem?
The National Pension System (NPS) is a government-promoted retirement savings scheme. It allows you to invest in a mix of equity and debt (Corporate/Govt bonds) to build a retirement corpus. At age 60, you can withdraw a portion and must use the rest for a lifelong pension.
📊 Practical Example
"If you start at age 25 and invest ₹10,000 monthly for 35 years at 10% returns, you will build a massive corpus of approximately ₹3.8 Crores. At age 60, you can take ₹2.2 Crores tax-free and receive a monthly pension of around ₹76,000 for life."
⚠️ Common Mistake
Ignoring the 'Annuity' part. People think they will get the full amount at 60. You actually get 60% as cash; the rest stays within an insurance company to pay you a monthly salary for the rest of your life.
How it Works & Benefits
Retirement Projection
Calculate your corpus based on your current age and monthly savings target.
Pension Estimator
See your estimated monthly pension based on the mandatory annuity purchase.
Tax Optimization
Helps you plan for the additional ₹50,000 tax deduction unique to NPS.
Frequently Asked Questions
Common queries answered for you
NPS is market-linked and usually offers higher returns (10-12%) than PPF (7.1%). However, NPS has a lock-in until age 60 and 40% of the corpus must be used to buy an annuity, whereas PPF is fully tax-free and matures in 15 years.
NPS offers an additional tax deduction of up to ₹50,000 under Section 80CCD(1B), which is over and above the ₹1.5 Lakh limit of Section 80C.
No. Under current rules, you can withdraw up to 60% of the corpus as a tax-free lump sum. The remaining 40% must be mandatorily invested in an annuity plan to provide a monthly pension.