🏛️ NPS Calculator India

Estimate your National Pension System retirement corpus, monthly pension, lump sum withdrawal and annuity returns.

① Your NPS Details

Current Age

28 yrs

Min 18 | Max 65 years

Retirement Age

60 yrs

Default 60 (NPS standard)

Monthly Contribution (₹)

₹5,000

Min ₹500 per PFRDA rules

Expected Annual Return (%)

10%

Historical NPS avg: 8–12%

Expected Annuity Return (%)

Annuity rate offered by ASPs

Annuity Purchase % (min 40%)

40%

PFRDA mandates min 40% annuity

Expected Inflation Rate (%)

For inflation-adjusted projection

Contribution Frequency Monthly amount used as base

Existing NPS Corpus (₹) Optional — current NPS balance

Show inflation-adjusted corpus Apply ≤ ₹5 lakh full withdrawal rule

📍 Investment Timeline

📈 Growth Visualizations

Corpus Growth Over Years

Investment vs Returns at Retirement

🏦 Retirement Corpus Allocation

📋 Year-wise Projection

💡 NPS Tax Benefits

Sec 80CCD(1)Up to ₹1.5 lakh deduction on own contribution (within 80C limit)

Sec 80CCD(1B)Additional ₹50,000 deduction on own NPS contribution (over 80C)

Sec 80CCD(2)Employer contribution up to 10% of salary (govt: 14%) — no ceiling

EEE StatusContributions, growth & 60% lump sum are tax-exempt. Annuity income is taxable.

⚠ Disclaimer: This NPS calculator is for illustrative and educational purposes only. Actual returns depend on the chosen fund option (E/C/G/A), fund manager performance, and market conditions. Annuity rates vary by Annuity Service Provider (ASP). PFRDA regulations and tax laws may change. Consult a SEBI-registered investment advisor or NPS Point of Presence for personalized guidance.