🏦 NPS Calculator
Estimate your National Pension System corpus at 60, lumpsum, annuity and monthly pension.
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The National Pension System (NPS) is a government-regulated retirement scheme. You contribute regularly during your working years; the money is invested in a mix of equity and debt and compounds until age 60. At retirement, you can withdraw up to 60% of the corpus as a tax-free lumpsum, and at least 40% must be used to buy an annuity — a product that pays you a monthly pension for life.
This calculator estimates the corpus from your monthly contributions, splits it into lumpsum and annuity by your chosen percentage, and estimates the monthly pension as: annuity amount × annuity rate ÷ 12.
Why NPS is popular
Very low fund-management charges, extra tax deduction of ₹50,000 under Section 80CCD(1B) over and above 80C, and disciplined long-term compounding. The trade-off is the lock-in till 60 and the mandatory annuity portion.
Frequently Asked Questions
- Is this NPS calculator free?
- Yes — 100% free, no sign-up, and it runs entirely in your browser. Nothing is uploaded.
- What return should I assume for NPS?
- NPS returns depend on your equity/debt mix and are not guaranteed. Long-term returns of aggressive NPS portfolios have historically been roughly 9–12% a year, conservative ones lower. Use a realistic figure.
- Is the monthly pension guaranteed?
- The pension depends on the annuity rate offered by the insurer when you retire — the figure here is only an estimate. Annuity rates in recent years have been roughly 5.5–7%.
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⚠️ This calculator is for educational and estimation purposes only and is not financial advice. AI360Trading is not SEBI registered. NPS returns and annuity rates are not guaranteed — actuals will differ.