NPS Calculator

Calculate your National Pension System returns and plan your retirement with our comprehensive NPS calculator

NPS Calculator

Min: ₹500, Max: ₹50,000
₹5,000
₹500₹50,000
Min: 18 years, Max: 65 years
25
1865
Min: 60 years, Max: 70 years
60
6070
Min: 8%, Max: 15%
10
815
Min: 40%, Max: 100%
40
40100

NPS Key Features

  • • Minimum: ₹500/month or ₹6,000/year
  • • Tax benefit: Up to ₹2 lakh under 80CCD(1B)
  • • Exit: 40% mandatory annuity, 60% lump sum
  • • Premature exit: 80% annuity before 60
  • • Asset allocation: E, C, G, A classes
  • • Charges: 0.01-2.5% annually
Total Invested Amount0
Wealth Gained0.00
Maturity Value0.00

Withdrawal Options at Retirement

Lump Sum (60%)0
Annuity (40%)0
Monthly Pension0/month

Investment Summary

Investment Period35 years
Yearly Investment60,000
Return Multiple0.00x
Tax Saved (30% bracket)18,000/year

Investment Breakdown

Withdrawal Options

Investment Growth Over Time

Investment vs Returns by Age

What is NPS?

National Pension System (NPS) is a government-sponsored pension scheme designed to provide retirement income security. It's a market-linked investment scheme where contributions are invested in equity, corporate bonds, and government securities based on your risk appetite.

Entry Age: 18-70 years for all citizens

Exit Age: 60-70 years with partial withdrawal options

Minimum Investment: ₹500 per month or ₹6,000 per year

Tax Benefits: Up to ₹2 lakh under Section 80CCD(1B)

NPS Investment Options

Equity (E) - High Risk, High Return

Investment in equity markets with potential for higher returns but higher volatility.

Corporate Bonds (C) - Medium Risk

Investment in corporate bonds offering moderate returns with balanced risk.

Government Securities (G) - Low Risk

Investment in government securities providing stable but lower returns.

Alternative Investments (A) - Variable Risk

Investment in REITs, InvITs, and other alternative assets for diversification.

Why Choose NPS?

Key advantages of National Pension System

💰

Tax Benefits

Additional ₹50,000 tax deduction under Section 80CCD(1B) over and above ₹1.5 lakh under Section 80C.

📈

Market-Linked Returns

Potential for higher returns through equity investments with professional fund management and diversified portfolio.

🔄

Flexibility

Choose your own investment mix, change fund managers, and adjust contributions based on your financial situation.

💼

Low Cost

One of the lowest-cost retirement investment options with competitive fund management charges.

🌐

Portability

Your NPS account moves with you across jobs and locations, ensuring continuity in your retirement planning.

🔒

Regulated & Safe

Regulated by PFRDA with strict oversight, ensuring transparency and safety of your retirement funds.

NPS Investment Strategy

Optimize your NPS portfolio based on age and risk appetite

Young (20-35 years)

Equity (E)60-75%
Corporate Bonds (C)15-25%
Government Securities (G)10-15%

Higher equity allocation for maximum growth potential with long investment horizon.

Middle-aged (35-50 years)

Equity (E)40-60%
Corporate Bonds (C)25-35%
Government Securities (G)15-25%

Balanced approach with moderate equity exposure and stable debt allocation.

Pre-retirement (50+ years)

Equity (E)20-40%
Corporate Bonds (C)30-40%
Government Securities (G)30-40%

Conservative approach with capital preservation and stable income focus.