NPS Calculator
Calculate your National Pension Scheme returns and plan your retirement corpus
Total Corpus
₹0
Lump Sum Amount
₹0
Monthly Pension
₹0
About NPS Calculator
Our NPS Calculator helps you plan your retirement by calculating the potential returns from your National Pension Scheme investments. It provides detailed projections of your retirement corpus, lump sum amount, and monthly pension based on your investment parameters.
Accurate Projections
Get precise calculations of your NPS returns and retirement corpus
Visual Analysis
View your corpus growth and distribution through interactive charts
Detailed Reports
Download comprehensive reports of your NPS calculations
Benefits
Tax Benefits
Avail tax deductions under Section 80C and 80CCD
Regular Income
Secure monthly pension after retirement
Market Returns
Potential for higher returns through market-linked investments
Key Features
Flexible Contributions
Choose your contribution amount and frequency
Asset Allocation
Option to choose between different asset classes
Export Data
Download detailed calculations in CSV format
How to Use
Enter Details
Fill in your monthly contribution and investment period
Calculate
Get instant results and detailed projections
Analyze
View charts and tables for better understanding
NPS in India: Tiers, Tax, and a Worked Example
India's National Pension System has two tiers. Tier I is the mandatory retirement account — withdrawals before age 60 are restricted, and at maturity you must use at least 40% of the corpus to buy an annuity. Tier II is optional, works like a mutual fund wrapper, and has no separate tax benefit on contributions (though gains follow equity/debt fund taxation rules).
Tax benefits (FY 2025–26): Employee/self contributions qualify under Section 80CCD(1) within the overall ₹1.5 lakh Section 80C limit. An additional ₹50,000 deduction is available under Section 80CCD(1B). Employer contributions up to 10% of salary (14% for government employees) are deductible under 80CCD(2) without affecting the 80C cap.
Worked example: A 32-year-old salaried professional in Bengaluru invests ₹5,000/month in NPS Tier I (Active Choice, 75% equity) until age 60 — 28 years. At an assumed 10% CAGR, the corpus could reach roughly ₹1.1 crore. At retirement, if 40% (≈₹44 lakh) is annuitised at 6% and 60% is withdrawn lump sum (tax-free within limits), the monthly pension might be around ₹22,000 before tax — use this calculator to stress-test your own contribution and return assumptions.
Asset allocation choices: Under Active Choice you pick E (equity), C (corporate debt), G (government securities), and A (alternate) within age-based caps. Auto Choice (Lifecycle) reduces equity automatically as you age — a sensible default for hands-off investors.
Guide by our Retirement Editor. Compare with PPF, Retirement Calculator, and tax-saving options. NPS rules change — verify on the PFRDA website before investing.