NPS Calculator
Calculate NPS corpus, lumpsum amount, and monthly pension
NPS Maturity Analysis
National Pension System (NPS) Calculator
NPS is a government-regulated pension scheme offering market-linked returns. Calculate your retirement corpus and monthly pension based on contributions and annuity choice.
Formula
At retirement: 60% withdrawable (tax-free), 40% for annuity purchase (generates monthly pension)
Current Rates (2025)
NPS Returns (Aggressive/Equity-heavy) - 5 yr
Various PFMs, NPS Trust data 2025
NPS Returns (Conservative/Debt-heavy)
Historical data
Example Calculation
Scenario:
Age 30, monthly contribution ₹10,000, retirement at 60, 10% expected return
Calculation:
30 years of contributions with compoundingResult:
Estimated corpus: ₹2.26 crore; 40% annuity (₹90L) → Monthly pension ≈₹54,000 (at 6% annuity rate)
Key Points
- •Market-linked returns; not guaranteed like PPF or EPF
- •Choose between Active (select asset allocation) or Auto (age-based allocation)
- •Equity exposure limited to 75% until age 50, gradually reduced thereafter
- •Partial withdrawal allowed (25% of contributions) after 3 years for specific reasons
- •Can switch between pension fund managers and investment choices
Tax Implications:
- •Contribution deduction: Up to ₹1.5L u/s 80CCD(1) (within 80C limit)
- •Additional deduction: ₹50,000 u/s 80CCD(1B) (over and above 80C)
- •Employer contribution: Up to 10% of salary u/s 80CCD(2) (no upper limit)
- •60% lump sum withdrawal at maturity is tax-free
- •40% annuity purchase mandatory; pension received is taxable as salary
Disclaimer: The calculations and information provided are estimates based on the inputs provided and current rates as of November 2025. Actual results may vary. Interest rates, tax laws, and regulations are subject to change. Please consult with a qualified financial advisor or tax professional for personalized advice.