NPS Calculator

Calculate NPS returns without signing up. Enter monthly SIP and tenure - see retirement corpus instantly. No account, no login.

NPS Details

30 Years
5,000
10 %
6 %
60 %

Total Investment

0

Maturity Amount

0

Monthly Pension

0

Year-wise Projection

Year Age Invested Amount Corpus Value
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Step-by-Step Guide

Calculate NPS Returns

Project your National Pension System (NPS) retirement corpus, monthly pension, and annuity splits based on contributions and rates.

1
Input Monthly Contribution

Enter the monthly sum you plan to deposit into your NPS account.

Monthly Deposit Initial NPS Balance
2
Set Age & Return

Specify your current age, target retirement age, and expected annual return percentage.

Current Age Expected CAGR (%)
3
Define Annuity Share

Choose the percentage of the retirement corpus you want to invest in an annuity scheme (minimum 40%).

Annuity Percent Annuity Return Rate
4
Run Forecast

View your estimated lump-sum payout, final retirement wealth, and monthly pension payouts.

Lump-sum Payout Monthly Pension
Local sandbox processing
PFRDA aligned algorithms
100% Private offline session
Retirement Tools

Efficient Retirement Planning Tools

Calculate expected National Pension Scheme maturity splits and pension outcomes.

PFRDA Slab Rules

Fully aligned with statutory pension fund regulation standards, including the mandatory 40% minimum annuity rule.

Annuity Split Settings

Configure what portion of your retirement wealth is converted into a monthly annuity pension vs. a tax-free lump sum.

Compound Accumulation

Calculates compound growth using monthly investment intervals matching standard pension fund manager schemes.

Confidential Audits

Your retirement projections, salaries, and age data are computed offline, guaranteeing data privacy.

Formulated under PFRDA statutory guidelines
Local sandbox execution keeps your financials secure
Clear visual breakdown of pension vs. lump-sum allocations
FAQ

Common Questions

Find answers about NPS accounts, compounding intervals, annuity splits, and tax rules.

What is the National Pension System (NPS)?
NPS is a government-backed voluntary retirement savings scheme designed to facilitate systematic savings, enabling a pensioned livelihood for citizens after retirement.
What is the minimum annuity reinvestment requirement?
Upon reaching the retirement age of 60, you must reinvest at least 40% of the accumulated corpus to purchase a life annuity, which provides a regular monthly pension. Up to 60% can be withdrawn tax-free as a lump sum.
How are NPS investment returns calculated?
NPS funds are managed by registered pension fund managers who invest in equity, corporate debt, government securities, and alternative assets. Returns are market-linked and compound over time.
Are NPS investments eligible for tax benefits?
Yes, individuals can claim tax deductions on contributions under Section 80CCD(1) and Section 80CCD(1B) of the Income Tax Act (up to specified limits).
Are my financial figures shared online?
No. All calculations occur locally in your browser sandbox using JavaScript. No details are transmitted or saved on external servers.