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Calculate your Systematic Investment Plan (SIP) returns and investment growth over time
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Calculate your National Pension System (NPS) maturity corpus, monthly pension, and retirement benefits. Plan your retirement savings with NPS calculator.
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Maturity Amount
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Lumpsum In Hand
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Pension Corpus
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Monthly Pension
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Total Contribution
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Frequently Asked Questions
What is National Pension System (NPS)?
NPS is a voluntary retirement savings scheme with government oversight. It allows individual contributions with choice of investment portfolio and pension provider. Upon retirement, you can withdraw lump sum and/or buy annuity for regular pension.
What are the NPS contribution limits?
For regular subscribers: up to ₹2.5 lakh annually. For Self Employed: ₹1 lakh. No upper limit on total accumulation. Contributions get Section 80C benefit (₹1.5 lakh limit) and Section 80CCD benefit (additional ₹50,000).
How does NPS investment choice work?
NPS offers 3 asset allocation options: Active Choice (customize equity, debt, gold), Auto Choice (fixed allocation based on age), or Balanced. You can change allocation once a year. Different funds have different risk-return profiles.
What happens at NPS maturity?
At 60 years (earliest withdrawal), you must invest 40-100% in annuity (pension) based on your fund value. Remaining can be withdrawn as lump sum. Annuity provides regular income throughout life.
Can I withdraw from NPS before retirement?
Partial withdrawal allowed from 7th financial year for medical/higher education. At 50 years, you can withdraw 50% of corpus. Full withdrawal only at 60 years or from 10 years of subscription (minimum).
Is NPS a good retirement option?
Yes, NPS is excellent for tax-efficient retirement planning with high contribution limits and flexibility in investment choices. Combine with PPF and other schemes for comprehensive retirement corpus building.