National Pension System (NPS) Calculator
How to Use This NPS Calculator
1. Enter your current age (18-60 years)
2. Enter planned retirement age (40-70 years)
3. Input your monthly NPS contribution (min ₹500)
4. Set expected annual returns (8-15%)
5. Click Calculate to see your retirement projection
Your NPS Retirement Projection
Total Investment Period: years
Total Contributions: ₹
Estimated Corpus at Retirement: ₹
Expected Monthly Pension (40% Annuity): ₹
Lump Sum Withdrawal (60%): ₹
Understanding NPS Returns Calculation
The National Pension System (NPS) is a government-backed retirement planning scheme in India. This calculator helps you project:
- Total corpus accumulation based on regular contributions
- Monthly pension through annuity (40% of corpus)
- Tax-free lump sum withdrawal (60% of corpus)
NPS Calculator FAQs
Q: What return rate should I expect from NPS?
A: Historically, NPS has delivered 8-10% returns. Conservative investors may use 8%, while optimistic projections may use 10-12%.
Q: Is the lump sum amount taxable?
A: 60% of the corpus is tax-free at withdrawal. The remaining 40% used to purchase annuity is taxable as per your income slab.