NPS Calculator
Estimate your retirement corpus and wealth gained from the National Pension System (India).
NPS Pension Calculator
Calculated until retirement age of 60.
Historically 9% - 12% for NPS.
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Total Invested₹0
Wealth Gained+₹0
Maturity Value₹0
How the NPS Calculator Works
The National Pension System (NPS) is a voluntary, long-term retirement savings scheme designed to enable systematic savings. Our calculator uses the standard compound interest formula to estimate your final corpus at the retirement age of 60.
Formula: FV = P × [((1+r)^n - 1)/r] × (1+r)
Where:
- P = Monthly Contribution
- r = Expected monthly return rate (Annual Rate / 12 / 100)
- n = Total number of monthly contributions until age 60
Note: The results are estimates for educational purposes and do not account for inflation or exact fund management charges. Always consult a financial advisor before making investment decisions.
Frequently Asked Questions
What is the NPS Calculator?
The NPS Calculator estimates the future value of your National Pension System investments. It calculates the total corpus you will accumulate by the age of 60 based on your monthly contributions and expected return rate.
What is the historical return of NPS?
Historically, the equity portion of NPS has delivered returns around 10% to 12%, while corporate and government bonds have delivered 8% to 10%. A balanced portfolio typically averages around 9% to 11% long-term.
How is the maturity amount taxed?
Currently, 60% of the total maturity corpus can be withdrawn tax-free. The remaining 40% must be mandatorily invested in an annuity plan to provide a regular monthly pension.
Can I withdraw my NPS amount before 60?
Partial withdrawals are allowed under specific conditions (like children's education, marriage, or medical emergencies) up to 25% of your own contributions, but strict lock-in rules apply.