NPS Calculator

Calculate National Pension System (NPS) returns and maturity value. Plan your retirement savings with accurate NPS calculations.

NPS Details

Basic Information

Current Age (years)

Retirement Age (years)

Contribution Details

Monthly Contribution (₹)

Expected Annual Return (%)

Withdrawal Options

Lump Sum Withdrawal (%)

Annuity Return Rate (%)

NPS Calculation Results

Enter your NPS details and click calculate to see results

NPS Benefits

• Tax Benefits: Up to ₹1.5 lakh under Section 80C
• Additional Deduction: Up to ₹50,000 under Section 80CCD(1B)
• Employer Contribution: Up to 10% of salary (basic + DA)
• Maturity: 60% lump sum + 40% annuity purchase

Frequently Asked Questions

What is NPS?

NPS (National Pension System) is a voluntary, long-term retirement savings scheme designed to enable systematic savings during the subscriber's working life.

What are the tax benefits of NPS?

NPS offers tax benefits under Section 80C (up to ₹1.5 lakh) and Section 80CCD(1B) (additional ₹50,000). Employer contributions up to 10% of salary are also tax-free.

When can I withdraw from NPS?

You can withdraw from NPS at age 60 (normal exit), or earlier in case of critical illness, disability, or after 3 years for specific purposes (with restrictions).