🧓 NPS Calculator
The National Pension System builds a market-linked retirement corpus. At 60 you can withdraw up to 60% tax-free and must use at least 40% to buy an annuity that pays a monthly pension. This calculator projects the corpus from your monthly contributions and shows the lump-sum/pension split.
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How it's calculated
Corpus = SIP future value of monthly contributions at the expected return until age 60. Pension = corpus × annuity% × annuity rate ÷ 12. Lump sum = corpus × (1 − annuity%).
Frequently asked questions
What returns does NPS give?
Market-linked: equity (E), corporate bond (C) and gilt (G) schemes have historically blended to roughly 9–11% for balanced allocations. Enter your own expected rate.
What are the NPS tax benefits?
Employer contributions up to 14% of basic are deductible in both regimes (80CCD(2)). Your own contributions get the extra ₹50,000 (80CCD(1B)) plus 80C room under the old regime. 60% of the corpus at exit is tax-free; annuity income is taxed at slab.
