NPS Calculator

Monthly Contribution (₹) The amount you contribute monthly to NPS (min ₹500).

Current Age (Years) Your current age in years.

Retirement Age (Years) Age at which you plan to retire (60-70).

Expected Annual Return (%) Expected rate of return (typically 8-12%).

About NPS Calculator

The National Pension System (NPS) is a voluntary retirement savings scheme launched by the Government of India. It allows individuals to build a retirement corpus through systematic investments. This calculator helps estimate your NPS maturity amount based on monthly contributions and expected returns.

How NPS Works

Contributions: Minimum ₹500 per month or ₹6,000 per year.
Investment Options: Choose from Active Choice, Auto Choice, or Corporate Bond schemes.
Tax Benefits: Contributions up to ₹1.5 lakh eligible under Section 80C.
Withdrawal: 60% of corpus can be withdrawn as lump sum, remaining 40% for annuity.

Key Benefits

Low-cost investment option.
Portability across jobs.
Guaranteed minimum pension through annuity.

Frequently Asked Questions

What is NPS?

National Pension System (NPS) is a government-sponsored retirement savings scheme in India for all citizens.

Who can invest in NPS?

Any Indian citizen between 18 and 65 years can invest in NPS.

What is the minimum investment in NPS?

Minimum monthly contribution is ₹500, and annual contribution is ₹6,000.

What are the benefits of NPS?

NPS offers tax benefits under Section 80C, portability, and guaranteed pension after retirement.

Note: This calculator provides estimates for NPS maturity corpus and pension. Actual returns may vary based on fund performance, market conditions, annuity rates, and investment choices. Consult your NPS provider or financial advisor for personalized retirement planning.