NPS is a government-backed retirement scheme that provides lump sum withdrawal and monthly pension.

How much pension does NPS provide?

Pension depends on contribution, returns, and annuity rates at retirement.

Is NPS better than PF?

NPS offers market-linked returns, while PF provides stable returns. Both serve different retirement needs.

NPS Calculator

Estimate your NPS maturity amount, lump sum withdrawal, and monthly pension under the National Pension Scheme (India).

Current Age

Retirement Age

Monthly Contribution (₹)

Expected Annual Return (%)

Annuity Allocation (%)

Expected Annuity Return (%)

NPS Maturity & Pension Details

Description	Amount (₹)
Total NPS Corpus at Retirement
Lump Sum Withdrawal (60%)
Annuity Investment (40%)
Estimated Monthly Pension

What Is NPS (National Pension Scheme)?

The National Pension Scheme (NPS) is a government-backed retirement savings scheme in India. It allows individuals to invest regularly during their working years and receive a lump sum and monthly pension after retirement.

How NPS Calculator Works

This NPS calculator estimates the retirement corpus based on your monthly contributions, investment duration, and expected rate of return. At retirement, 60% of the corpus can be withdrawn as a lump sum, while the remaining 40% is used to purchase an annuity that provides monthly pension income.

NPS Calculation Logic

Monthly contributions compounded annually
Corpus split into lump sum and annuity
Annuity return used to estimate monthly pension

Benefits of NPS

Tax benefits under Section 80C & 80CCD
Market-linked returns
Low fund management charges
Regular pension income

Accuracy & Disclaimer

This calculator provides an estimate based on assumed returns. Actual NPS returns and pension may vary depending on market performance and annuity rates at retirement.