NPS Calculator 2025 – National Pension System Calculator India | Free Online Tool

Calculate Your NPS Investment

Monthly Investment (₹)

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Current Age (Years)

Retirement Age (Years)

Expected Annual Return (%)

Expected Annuity Return (%)

Your NPS Results

Maturity Amount

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Total Investment ₹0

Total Returns ₹0

Lump Sum (60%) ₹0

Annuity Purchase (40%) ₹0

Monthly Pension ₹0

About NPS (National Pension System)

The National Pension System (NPS) is a voluntary, defined contribution retirement savings scheme designed to enable systematic savings during the subscriber’s working life. It’s regulated by the Pension Fund Regulatory and Development Authority (PFRDA) and offers excellent tax benefits and low-cost investment options.

Tax Benefits

Get tax deduction up to ₹1.5 lakh under Section 80C and additional ₹50,000 under Section 80CCD(1B). Total tax savings up to ₹2 lakh annually.

Low Cost

NPS has one of the lowest expense ratios (0.01% to 0.25%) among retirement savings products, maximizing your returns over the long term.

Investment Flexibility

Choose your investment mix between equity (up to 75%), corporate bonds, and government securities based on your risk appetite and age.

Portability

Your NPS account is portable across jobs and locations, ensuring continuity of your retirement savings throughout your career.

Frequently Asked Questions

What is the minimum investment in NPS?

The minimum investment in NPS is ₹500 per month or ₹1,000 per year for regular contributions.

Can I withdraw money from NPS before retirement?

Partial withdrawals are allowed after 3 years for specific purposes like higher education, marriage, or medical emergencies. Up to 25% of your contribution can be withdrawn.

What happens at maturity?

At maturity (minimum age 60), you can withdraw 60% as a lump sum (tax-free) and must use 40% to purchase an annuity for monthly pension.

Is NPS safe?

Yes, NPS is regulated by PFRDA and managed by professional fund managers. It’s backed by the Government of India and offers market-linked returns.

Important Disclaimer

Investment Risk: This NPS calculator provides estimates based on the inputs provided and assumed rates of return. Actual returns may vary significantly based on market conditions, fund performance, and economic factors.

Not Financial Advice: The calculations and information provided are for educational and informational purposes only. This tool does not constitute financial, investment, or tax advice. Please consult with a qualified financial advisor or tax professional before making investment decisions.

Accuracy: While we strive to ensure the accuracy of calculations, we do not guarantee the precision of results. The calculator uses simplified assumptions and may not account for all factors affecting NPS returns.

Regulatory Changes: NPS rules, tax benefits, and withdrawal conditions are subject to change by PFRDA and government regulations. Please verify current rules before making investment decisions.

No Liability: We disclaim any liability for financial losses or decisions made based on the information provided by this calculator. Users are responsible for their own investment decisions.