Calculate your National Pension Scheme corpus at retirement. See total investment, wealth gained, and estimated monthly pension based on your contributions.
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Minimum ₹500/month. More = larger corpus. Consider both your contribution and employer contribution.
NPS equity funds have historically returned 10–12%. Conservative: 8%. Moderate: 10%.
NPS matures at age 60. Earlier you start, larger the corpus.
Minimum 40% goes to annuity. You can choose more for higher pension.
NPS corpus grows through monthly SIP-style compounding:
At retirement, minimum 40% must be used to buy an annuity (which pays monthly pension). The remaining 60% is tax-free lump sum withdrawal. Estimated pension assumes 6% annuity rate.
National Pension System is a government-backed retirement savings scheme. Contributions grow market-linked returns. At 60, 60% is tax-free lump sum withdrawal and minimum 40% must buy an annuity for regular pension.
Up to ₹1.5L deductible under Section 80C. Additional ₹50K under Section 80CCD(1B) — exclusive to NPS. Employer contributions up to 10% of salary deductible under 80CCD(2).
Partial withdrawal (up to 25%) is allowed after 3 years for specific purposes: higher education, marriage, house purchase, critical illness. Full exit before 60 requires 80% annuity purchase.
An annuity is a fixed monthly income purchased from an insurance company using part of your NPS corpus at retirement. The rate (typically 5–7%) determines your monthly pension amount.
NPS has a lock-in until age 60. You can withdraw 60% as a lump sum tax-free at retirement. The remaining 40% must be used to buy an annuity. Partial withdrawal (25%) is allowed after 3 years for specific reasons.