NPS Calculator: Calculate National Pension Scheme in India
Estimate your retirement corpus and monthly pension with the National Pension Scheme (NPS). Perfect for salaried professionals, self-employed individuals, and anyone planning for retirement in India.
Your NPS Calculation Result
Result
Results will appear here.
Calculation Steps
Steps will appear here after calculation.
NPS Calculation Tips
Start investing early to maximize compounding.
Choose an appropriate risk profile (aggressive, moderate, conservative).
Adjust contributions to meet your retirement goals.
More Tools to Explore:
Your Guide to NPS Calculations in India
What’s an NPS Calculator?
This tool estimates your retirement corpus and monthly pension under the National Pension Scheme (NPS) based on your contributions, investment duration, and expected returns. Ideal for retirement planning in India.
How NPS Is Calculated
Methods used:
Corpus Calculation:
Uses compound interest: A = P [(1 + r/n)^(nt) - 1] / (r/n), where A is the corpus, P is the monthly contribution, r is the annual return rate, n is the number of compounding periods per year, and t is the investment duration.
Lump Sum:
Up to 60% of the corpus can be withdrawn tax-free at retirement.
Annuity:
At least 40% of the corpus is used to purchase an annuity, providing a monthly pension based on the annuity return rate.
Our calculator provides accurate estimates with clear steps!
[](https://www.5paisa.com/calculators/nps-calculator)Understanding Your Results
Your results include:
| Component | Description |
|---|---|
| Total Corpus | Estimated retirement savings based on contributions and returns. |
| Lump Sum | Amount available for withdrawal (up to 60% of corpus). |
| Monthly Pension | Estimated monthly income from the annuity portion. |
Why Use an NPS Calculator?
Plan your retirement effectively:
Retirement Planning
Estimate your future savings.
Tax Benefits
Maximize savings under Section 80C & 80CCD(1B).
Investment Strategy
Choose risk profiles for better returns.
Key Considerations for NPS Calculations
Ensure accurate planning:
Results are estimates based on assumed returns. Actual returns are market-linked and may vary.
[](https://npstrust.org.in/nps-calculator)Indian citizens aged 18–60 (up to 70 for contributions) who comply with KYC norms.
[](https://cleartax.in/s/nps-calculator)At least 40% of the corpus must be used to purchase an annuity for a monthly pension.
[](https://www.hdfcpension.com/nps-calculator/)Frequently Asked Questions About NPS Calculations
Questions about planning your retirement with NPS in India? Here are answers to guide your financial strategy:
It estimates your retirement corpus and monthly pension based on contributions, investment duration, and expected returns.
Uses compound interest to estimate the corpus, with a portion (minimum 40%) used for an annuity to provide monthly pension payments.
Current age, monthly contribution, expected return rate, annuity percentage, and annuity return rate.
Yes! Helps salaried and self-employed individuals plan for financial security post-retirement.
Yes! All calculations are performed locally in your browser, with no data stored.