NPS Calculator
Calculate your National Pension System returns and plan your retirement with our comprehensive NPS calculator
NPS Calculator
NPS Key Features
- • Minimum: ₹500/month or ₹6,000/year
- • Tax benefit: Up to ₹2 lakh under 80CCD(1B)
- • Exit: 40% mandatory annuity, 60% lump sum
- • Premature exit: 80% annuity before 60
- • Asset allocation: E, C, G, A classes
- • Charges: 0.01-2.5% annually
Withdrawal Options at Retirement
Investment Summary
Investment Breakdown
Withdrawal Options
Investment Growth Over Time
Investment vs Returns by Age
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View All CalculatorsWhat is NPS?
National Pension System (NPS) is a government-sponsored pension scheme designed to provide retirement income security. It's a market-linked investment scheme where contributions are invested in equity, corporate bonds, and government securities based on your risk appetite.
Entry Age: 18-70 years for all citizens
Exit Age: 60-70 years with partial withdrawal options
Minimum Investment: ₹500 per month or ₹6,000 per year
Tax Benefits: Up to ₹2 lakh under Section 80CCD(1B)
NPS Investment Options
Equity (E) - High Risk, High Return
Investment in equity markets with potential for higher returns but higher volatility.
Corporate Bonds (C) - Medium Risk
Investment in corporate bonds offering moderate returns with balanced risk.
Government Securities (G) - Low Risk
Investment in government securities providing stable but lower returns.
Alternative Investments (A) - Variable Risk
Investment in REITs, InvITs, and other alternative assets for diversification.
Why Choose NPS?
Key advantages of National Pension System
Tax Benefits
Additional ₹50,000 tax deduction under Section 80CCD(1B) over and above ₹1.5 lakh under Section 80C.
Market-Linked Returns
Potential for higher returns through equity investments with professional fund management and diversified portfolio.
Flexibility
Choose your own investment mix, change fund managers, and adjust contributions based on your financial situation.
Low Cost
One of the lowest-cost retirement investment options with competitive fund management charges.
Portability
Your NPS account moves with you across jobs and locations, ensuring continuity in your retirement planning.
Regulated & Safe
Regulated by PFRDA with strict oversight, ensuring transparency and safety of your retirement funds.
NPS Investment Strategy
Optimize your NPS portfolio based on age and risk appetite
Young (20-35 years)
Higher equity allocation for maximum growth potential with long investment horizon.
Middle-aged (35-50 years)
Balanced approach with moderate equity exposure and stable debt allocation.
Pre-retirement (50+ years)
Conservative approach with capital preservation and stable income focus.