NPS Calculator
Plan your retirement corpus with NPS. Estimate your monthly pension based on contribution and expected returns.
Maturity Value
₹66.89 L
Total Invested
₹15.00 L
Est. Returns
₹51.89 L
Wealth Gain
346%
Breakdown
Invested: ₹15.00 L (22%)
Returns: ₹51.89 L (78%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (12.0%) | +5 Years (30yr) |
|---|---|---|---|
| Total Invested | ₹15.00 L | ₹15.00 L | ₹18.00 L |
| Maturity Value | ₹66.89 L | ₹94.88 L ↑ ₹27.99 L | ₹1.14 Cr ↑ ₹47.07 L |
| Est. Returns | ₹51.89 L | ₹79.88 L | ₹95.97 L |
💡 Understanding NPS
National Pension System is a market-linked retirement scheme regulated by PFRDA. You can invest in equity (up to 75%), corporate bonds, and government securities. NPS offers additional tax benefit of ₹50,000 under Section 80CCD(1B), over and above the ₹1.5L limit of 80C.
At retirement (60), you must use 40% of the corpus to buy an annuity (pension). The remaining 60% can be withdrawn tax-free (up to ₹60L). Annuity rates currently range from 5-7% depending on the insurance company and pension option chosen.