*Assuming 40% of corpus is used for Annuity (Pension).
NPS Calculator — Estimate Your Retirement Corpus & Pension
Plan your retirement with clarity and confidence.
The National Pension System (NPS) Calculator helps you estimate how much retirement savings you can build by investing regularly in NPS and what monthly pension you might get after retirement.
This tool provides instant projection of your total accumulated corpus, total investment, estimated returns, tax benefits, and monthly pension based on your inputs.
How the NPS Calculator Works
Enter the key details below to estimate your retirement corpus:
1. Current Age
Your present age helps determine how long you will invest until retirement (usually age 60).
2. Monthly NPS Contribution (?)
The amount you plan to contribute every month towards your NPS Tier-I account.
3. Expected Annual Return (%)
The anticipated annualised return on your NPS investments typically driven by market performance of the funds you choose.
4. Annuity Percentage (%)
At retirement, regulations require you to use a portion of your corpus (usually 40%) to buy an annuity plan which provides your monthly pension.
5. Expected Annuity Return (%)
The expected rate of return on the annuity plan you’ll buy at retirement.
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Based on these inputs, the tool calculates:
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Total accumulated corpus
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Amount available for lump-sum withdrawal
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Monthly pension amount after retirement
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Why Use an NPS Calculator?
Clear Retirement Planning – Know how much you need to invest today.
Scenario Comparison – Adjust contribution or retirement age to see different outcomes.
Pension Estimation – Understand your likely monthly retirement income.
Goal-Based Planning – Align your NPS contributions with future lifestyle goals.
Instant & Free – Get results in seconds without manual calculations.
Example Calculation
If you are:
- 30 years old
- Investing 10,000 per month
- Expecting 8% annual return
- Retiring at 60
- Allocating 40% for annuity at 6%
You may accumulate a substantial retirement corpus, withdraw a portion as a lump sum, and receive a steady monthly pension.
(Actual values will depend on real market performance and annuity rates.)
FAQS
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What is the National Pension System ?
The National Pension System is a government-backed, long-term retirement savings scheme regulated by the Pension Fund Regulatory and Development Authority to provide financial security after retirement.
- Who can invest in NPS?
- How much of the NPS corpus can be withdrawn at retirement?
- Is the NPS Calculator result guaranteed?
- What rate of return should I consider?
- What is an annuity in NPS?
- Can I change my contribution amount?
- Does the NPS Calculator include tax benefits?
- What happens if I exit NPS before retirement?
- Why should I use the NPS Calculator regularly?
