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NPS Calculator
Calculate your NPS corpus and expected monthly pension at retirement.
NPS Corpus at Retirement
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Monthly Pension
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Total Invested
NPS Calculator: National Pension System
Our NPS calculator estimates your retirement corpus and monthly pension from the National Pension System. NPS offers tax benefits and market-linked returns.
Example: ₹5,000/month for 25 years at 10%: Corpus ≈ ₹66.2 lakhs. Monthly pension (40% annuity at 6%) ≈ ₹13,240.
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Frequently Asked Questions
What is NPS?
National Pension System is a government-backed retirement savings scheme. You contribute during working years, and 40% must be used to buy an annuity (pension) at retirement.
What is the NPS return?
NPS returns vary by fund type: Equity (E) 12-15%, Corporate Bonds (C) 8-10%, Government Securities (G) 7-9%. Average mixed return is 9-12% historically.
How is NPS pension calculated?
At retirement, 40% of corpus buys an annuity. Monthly pension = (Corpus × 0.4 × Annuity Rate) / 12. If annuity rate is 6%, a ₹1 crore corpus gives ₹20,000/month pension.
Tax benefits of NPS?
NPS offers: Additional ₹50,000 deduction under Section 80CCD(1B), up to ₹1.5 lakh under 80CCD(1), employer contribution deduction under 80CCD(2). Total tax benefit can be up to ₹2 lakh.