Interactive NPS Calculator - National Pension Scheme
NPS GOI
25 60
Tier I Tier II 80C 80D
60% Annuity 40% Lump
Equity Debt Gold Govt NPS
Age 60
Y1 Y35
NPS

Interactive NPS Calculator
National Pension Scheme

Plan your retirement with India's National Pension Scheme. Calculate contributions, estimate pension corpus, explore tax benefits, and secure your financial future with government-backed retirement planning.

₹5,000
Monthly NPS
10%
Expected Returns
35Y
Investment Period
₹1.1Cr
Retirement Corpus

Advanced NPS Calculator & Retirement Planner

Calculate National Pension Scheme returns, plan retirement corpus, explore tax benefits, and visualize your pension journey with our comprehensive NPS calculator

🏛️ NPS Investment Details

₹500 ₹5,000 ₹50K
Years
18Y 25 Years 60Y
17%
Years
60Y 60 Years 75Y
%
6% 10% p.a. 15%

NPS Tier Selection

🏛️
Tier I
Mandatory, Lock-in till 60
Tax Benefits: 80C + 80CCD
💼
Tier II
Voluntary, Flexible withdrawal
No lock-in period

Withdrawal Strategy at 60

📊
60% Annuity
40% Lump Sum
Standard Option
💰
80% Annuity
20% Lump Sum
Higher Pension
🏦
100% Annuity
0% Lump Sum
Maximum Pension
💸
40% Annuity
60% Lump Sum
Higher Lump Sum

🎯 NPS Retirement Results

Retirement Corpus at 60
₹1,10,45,678
After 35 years of NPS
Total Contribution
₹21,00,000
420 months of systematic investing
Total Growth
₹89,45,678
426.0% absolute return
Wealth Multiplier
5.26x

💰 Withdrawal Breakdown at 60

Lump Sum (Tax-Free) ₹44,18,271
Annuity Purchase (Pension) ₹66,27,407
Estimated Monthly Pension
₹5,522
Based on 8% annuity rate

Annual Tax Benefits

Section 80C Benefit ₹46,800
Section 80CCD(1B) Benefit ₹15,600
Total Annual Tax Saving ₹62,400
Lifetime Tax Savings
₹21,84,000

NPS Performance Analysis

Good NPS Performance! 📈
Your retirement planning is on track
Retirement Readiness Good

NPS Wealth Growth Timeline

Age Annual Contribution Total Contributed NPS Corpus Value Annual Growth Milestone

NPS vs Other Retirement Options

NPS (10%)
Retirement Corpus
₹1.1Cr
Tax Benefits
₹21.8L
PPF (8%)
Maturity Value
₹65.2L
Tax Benefits
₹18.2L
ELSS (12%)
Investment Value
₹1.7Cr
Tax Benefits
₹18.2L
EPF (8.5%)
Retirement Fund
₹75.8L
Tax Benefits
₹18.2L
🏛️

Government Backed

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

💰

Triple Tax Benefits

Enjoy tax deductions under 80C and 80CCD(1B), tax-free growth, and partial tax-free withdrawal at maturity.

📈

Professional Management

Your NPS funds are managed by professional fund managers with diversified portfolios across equity, debt, and government securities.

NPS investments are subject to market risks. Tax benefits are subject to applicable tax laws. Please read all scheme documents carefully.