NPS Calculator
Plan Your Retirement with NPS Confidence
The National Pension System (NPS) is a powerful tool for building a retirement corpus through disciplined savings and market-linked returns. Our NPS Calculator estimates your total corpus, lump sum, and monthly pension based on your monthly contribution, expected return, years until retirement, and annuity purchase percentage. Whether you’re a salaried professional or self-employed, this tool helps you plan a secure retirement.
Start by entering your monthly contribution, like ₹5,000 for a moderate saver or ₹10,000 for a high earner. Input the expected annual return, typically 8-10% for balanced NPS funds. Specify years until retirement, say 20, and the annuity percentage (minimum 40%, e.g., 40% for flexibility). The calculator shows the corpus, lump sum, annuity amount, and monthly pension, guiding your NPS strategy.
Your corpus depends on contributions and time. For example, ₹5,000 monthly at 10% over 20 years builds a ₹3.8 crore corpus, with ₹2.28 crore as a lump sum and ₹1.52 crore for annuity at 40%, yielding a ₹7,600 monthly pension (6% annuity rate). Increase contributions to ₹10,000, and the corpus doubles to ₹7.6 crore, with ₹15,200 monthly pension. Extend to 30 years, and ₹5,000 monthly grows to ₹1.13 crore. Test scenarios to find your plan—perhaps ₹7,000 monthly for 25 years.
Smart NPS planning maximizes returns and security. Choose a balanced fund allocation (e.g., 50% equity, 50% debt) for 8-10% returns. Increase contributions with income growth—₹500 more annually adds lakhs to your corpus. Opt for a higher annuity (e.g., 60%) for a larger pension or lower (40%) for flexibility. Reinvest lump sums in low-risk options like FDs for added income. This calculator provides a roadmap, but consult a financial advisor for fund choices, tax benefits, or withdrawal rules.
Your retirement deserves a robust plan. This calculator turns NPS contributions into a secure future. As of April 2025, with rising longevity and costs, starting early is key. Input your details, tweak the variables, and build your retirement nest egg. Let this tool guide you toward financial freedom, ensuring every rupee saved secures your golden years.