NPS Calculator | Sarva Nidhi Associates | National Pension Scheme
Financial Calculator

NPS Calculator

Plan your National Pension Scheme investment. Calculate NPS corpus, monthly pension, tax benefits under 80C and 80CCD(1B), and annuity vs lumpsum breakdown at 60.

🏛️ NPS Investment Details

Current Age
30 Years
253035404550
Retirement Age
60 Years
5558606265
Monthly NPS Contribution
10,000
₹2K₹5K₹10K₹25K₹50K₹1L
Expected Annual Return
12% p.a.
7%8%10%12%14%
Life Expectancy
80 Years
75808590
NPS Asset Allocation
🛡️
Safe (LC-25)
25% Equity · 8% Return
⚖️
Moderate (LC-50)
50% Equity · 10% Return
📈
Aggressive (LC-75)
75% Equity · 12% Return
NPS Tier Selection
🏛️
Tier I
Lock-in till 60 · 80C + 80CCD
💼
Tier II
Flexible withdrawal · No lock-in
Withdrawal Strategy at 60
📊
60% Annuity
40% Lump Sum · Standard
💰
80% Annuity
20% Lump Sum · Higher Pension
🏦
100% Annuity
0% Lump Sum · Max Pension
💸
40% Annuity
60% Lump Sum · Higher Lump

🏛️ NPS Retirement Results

₹3.5Cr
NPS Corpus at Age 60
9.8x
Wealth Multiplier
Invested
Returns
₹36L
Total Invested
₹3.2Cr
Total Returns
₹1.17L
Lumpsum (40%, Tax-Free)
20 yrs
Pension Duration
₹20.5K
Today's Value (6% infl.)
₹36K
Annual Tax Saved (80C)
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NPS Growth

NPS Corpus Growth Over Time

Invested Amount
Returns Earned
NPS Milestones

Wealth Growth Timeline

Tax & Withdrawal

NPS Tax Benefits & Withdrawal Plan

📈 Withdrawal at 60

Lumpsum (40%, Tax-Free)₹1,17,665
Annuity Purchase (60%)₹20,500

Based on 60:40 annuity:lumpsum withdrawal at retirement

💲 Tax Benefits

Annual Investment₹1,20,000
Tax Saved (30% slab)₹36,000

80C (up to ₹1.5L) + 80CCD(1B) (additional ₹50K)

🎯 Estimated Monthly Pension

Annuity Rate (assumed)8%
Monthly Pension₹5,522
Yearly Breakdown

NPS Contribution Timeline

AgeAnnual InvestmentCorpus ValueTotal ReturnsGrowth

Need help with your NPS investment?

Our NPS experts will help you choose the right tier, asset allocation, and withdrawal strategy.

NPS vs Alternatives

NPS vs Other Retirement Options

Compare NPS with PPF, ELSS, and EPF to see which retirement vehicle works best for you.

Why NPS?

Benefits of National Pension Scheme

🏛️

Government Backed

NPS is regulated by PFRDA and backed by the Government of India, ensuring security and transparency in your retirement savings.

💲

Triple Tax Benefits

Enjoy deductions under 80C (₹1.5L), additional 80CCD(1B) (₹50K), tax-free growth, and partial tax-free lumpsum withdrawal at maturity.

📈

Professional Management

NPS funds are managed by top pension fund managers with diversified portfolios across equity, corporate bonds, and government securities.

Ready to Start Your
NPS Journey?

Get personalised NPS guidance from our retirement planning experts. First consultation is free.

NPS calculations are indicative and based on assumed returns. Past performance does not guarantee future results. Please read all scheme documents carefully.