NPS Calculator
National Pension System Returns Calculator
NPS Tax Benefits (FY 2025-26)
- Up to ₹1.5 lakh under Section 80CCD(1) within 80C limit
- Additional ₹50,000 under Section 80CCD(1B) - exclusive for NPS
- Employer contribution up to 14% (govt) / 10% (private) under 80CCD(2)
- 60% of corpus is tax-free at maturity
Investment Details
Retirement Summary
Total Corpus at 60
₹1.14 Cr
After 30 years of contribution
Total Investment
₹18.00 L
Total Returns
₹95.97 L
At Retirement:
Lumpsum Withdrawal (60%)
₹68.38 L
Tax-free up to 60% of corpus
Annuity Purchase (40%)
₹45.59 L
Estimated Monthly Pension
₹22,793
Based on 6% annuity rate
Investment vs Returns
Year-wise Growth
| Year | Age | Invested | Corpus Value | Returns |
|---|---|---|---|---|
| 5 | 35 | ₹3.00 L | ₹3.90 L | ₹90,412 |
| 10 | 40 | ₹6.00 L | ₹10.33 L | ₹4.33 L |
| 15 | 45 | ₹9.00 L | ₹20.90 L | ₹11.90 L |
| 20 | 50 | ₹12.00 L | ₹38.28 L | ₹26.28 L |
| 25 | 55 | ₹15.00 L | ₹66.89 L | ₹51.89 L |
| 30 | 60 | ₹18.00 L | ₹1.14 Cr | ₹95.97 L |
Frequently Asked Questions
NPS (National Pension System) is a government-sponsored retirement savings scheme. You contribute monthly, choose asset allocation (equity/debt/govt bonds), and at retirement (60), use minimum 40% for annuity (monthly pension) and withdraw up to 60% as lumpsum.
NPS offers triple tax benefit: 1) Up to ₹1.5L under 80CCD(1) within 80C, 2) Additional ₹50,000 under 80CCD(1B), 3) Employer contribution up to 10%/14% under 80CCD(2). At maturity, 60% lumpsum is tax-free.
Minimum contribution is ₹500 per contribution and ₹1,000 per year for Tier I. There's no upper limit. For Tier II (optional), minimum is ₹250 per contribution with no annual minimum.
Partial withdrawal (up to 25% of own contribution) is allowed after 3 years for specific purposes like education, marriage, home purchase, or medical treatment. Early exit before 60 requires 80% annuity purchase.
NPS returns depend on asset allocation and market performance. Historically, equity funds have given 12-14%, corporate bonds 9-11%, and government securities 8-10%. Aggressive allocation suits younger investors.