NPS Calculator
Calculate Pension, Corpus & Tax-Free Withdrawal
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25 Years
10 %
40 %
₹0 Total Invested
₹0 Total Profit
₹0 Maturity Amount
₹0 Lump Sum (Cash)
Expected Monthly Pension
₹0
What is NPS & How Does It Work?
National Pension System (NPS) is a low-cost, market-linked retirement savings scheme. It helps build a retirement corpus through regular contributions invested in equity, debt, and government securities.
- Flexible contributions – start from as low as ₹500/month
- Tax benefits under Section 80C and additional 80CCD(1B)
- At retirement (age 60): Up to 60% corpus withdrawn tax-free, 40% used for annuity to get lifelong monthly pension
- Long-term compounding helps grow wealth significantly
Use this calculator to plan your contributions and see projected retirement benefits.
Frequently Asked Questions (FAQs)
₹500 per month for Tier I. There is no upper limit. Higher contributions build a larger retirement corpus.
Yes — up to 60% of the corpus can be withdrawn tax-free at age 60. The remaining 40% must be used to purchase an annuity for pension.
Historical returns have been 9–12% annually depending on asset allocation (equity vs debt). This tool uses your chosen expected return for estimation.