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NPS Calculator

Calculate National Pension Scheme corpus & monthly pension

NPS Details

Plan your retirement

1860
₹500₹1L
6%15%
40% (Min)100%
Minimum 40% required for monthly pension

Retirement Plan

Total Corpus at 60 ₹1,15,68,212 In 30 years
Invested ₹18,00,000
Returns ₹97,68,212
Lump Sum (60%) ₹69,40,927
Annuity (40%) ₹46,27,285

💰 Monthly Pension

After Retirement
₹23,136
Lifetime monthly pension

💡 NPS Insight

🎯 Excellent! Your NPS will create ₹1.15 Cr corpus + ₹23K monthly pension. Tax benefit ₹2L under 80C+80CCD!

🔗 Related Calculators

❓ FAQs

National Pension Scheme (NPS) is a government-backed retirement savings scheme. Open to all Indian citizens aged 18-70. Creates retirement corpus + monthly pension.

NPS offers triple tax benefits:
• 80C: ₹1.5L deduction
• 80CCD(1B): Additional ₹50K
• 80CCD(2): Employer contribution
Total: Up to ₹2 Lakh tax benefit!

At retirement, min 40% of corpus must be used to buy annuity for monthly pension. Remaining 60% can be withdrawn as lump sum (tax-free).

NPS historically gives 9-12% annual returns based on asset allocation (Equity, Corporate Bonds, Govt Securities). You can choose conservative or aggressive funds.