NPS Calculator

Plan your retirement with the National Pension System. Estimate your maturity amount and pension.

NPS Details

30 Years
5,000
10 %
6 %
60 %

Total Investment

0

Maturity Amount

0

Monthly Pension

0

Year-wise Projection

Year Age Invested Amount Corpus Value
Share this Tool

Spread the word to help others work faster!

Related Tools

APY Calculator

Calculate Annual Percentage Yield for investments. Designed for quick payroll and financial checks.

Brokerage Calculator

Calculate brokerage charges for stock trades. Designed for quick payroll and financial checks.

CAGR Calculator

Calculate Compound Annual Growth Rate. Designed for quick payroll and financial checks.

Car Loan EMI Calculator

Calculate EMI for car loans. Designed for quick payroll and financial checks.

Compound Interest Calculator

Calculate compound interest on investments. Designed for quick payroll and financial checks.

EMI Calculator

Calculate Equated Monthly Installments for loans. Designed for quick payroll and financial checks.

EPF Calculator

Calculate Employee Provident Fund returns. Designed for quick payroll and financial checks.

FD Calculator

Calculate Fixed Deposit returns. Designed for quick payroll and financial checks.
Retirement Planner

Calculate National Pension Scheme (NPS) Wealth

Estimate your total NPS retirement corpus, tax-free lumpsum payouts, and expected monthly pension annuity returns.

1

Enter Contribution

Input your monthly savings contribution and expected investment yield percentage.

2

Specify Timeline

Input your current age and target retirement age (typically set to 60 years).

3

Define Annuity Rate

Select annuity conversion shares (min 40%) and expected annuity yield ratios.

4

View Pension Summary

Inspect your total retirement corpus, lumpsum payouts, and expected monthly pension.

National Pension Scheme Rules
Annuity & Lumpsum Splits
100% Private local parsing
Layout Grid

Annuity splits & Pension Projections

Monthly Pension Forecasts

Estimates your expected monthly pension payouts based on the annuity interest rates selected.

Tax-Free Lumpsum Payouts

Computes the tax-free lumpsum cash payout (up to 60% of total) available at retirement age.

Statutory Annuity Splits

Enforces retirement rules requiring at least 40% of the corpus to be reinvested into annuity plans.

Retirement Corpus Compounding

Compounds monthly savings over working life timelines to estimate final pension portfolios.

Secure Sandbox Calculations

All data processing is run locally on the client thread, preventing any transaction data leaks.

NPS FAQs

Frequently Asked Questions

1 What is the National Pension Scheme (NPS)?
NPS is a voluntary, long-term retirement savings scheme designed to enable systematic savings during your working years, building a pension corpus that is split into a lumpsum payout and a regular monthly annuity.
2 What are the withdrawal rules at retirement age?
Upon reaching 60 years of age, you can withdraw a maximum of 60% of the accumulated corpus tax-free as a lumpsum. The remaining 40% (minimum required) must be utilized to buy an annuity to get a monthly pension.
3 Can I purchase 100% annuity using my retirement corpus?
Yes. While 40% is the statutory minimum allocation, you are permitted to use up to 100% of your accumulated retirement corpus to purchase annuity pension plans.
4 Is the monthly pension taxable?
The 60% lumpsum withdrawal at age 60 is completely tax-free. However, the recurring monthly pension income you receive from your annuity purchase is taxable as salary income under your applicable tax slabs.
5 Are my savings contributions secure?
Yes. All retirement configurations, salary contributions, and pension projections process strictly locally within your browser sandbox. No parameters are shared or recorded on external databases.