NPS (National Pension Scheme) Calculator
🧾 NPS (National Pension Scheme) Calculator – Calculate Your Future Pension & Tax Savings
Plan Your Retirement Smartly with Our Free NPS Calculator
The NPS Calculator is a powerful online tool designed to help you estimate your maturity amount, pension payouts, and tax benefits under the National Pension Scheme (NPS). Whether you're a salaried employee, self-employed, or a government worker, our calculator gives you a clear picture of your post-retirement income based on your monthly contributions, investment duration, and expected rate of return.
Simply enter your age, monthly NPS contribution, and expected return percentage, and the calculator will instantly show your projected corpus, annuity value, and lump sum withdrawal. This helps you plan your retirement finances efficiently and maximize savings under Section 80CCD(1), 80CCD(1B), and 80CCD(2) of the Income Tax Act.
📟 Key Features of Our NPS Calculator Tool
- Instant Calculation of pension amount and maturity value
- Supports Tier I and Tier II accounts
- Tax Benefit Estimator for FY 2025–26 under 80CCD
- Custom inputs for rate of return, retirement age, and annuity percentage
- Mobile-friendly, no registration required
- Ideal for private employees, government servants, and freelancers
🎯 Why Use the National Pension Scheme Calculator?
- Plan Long-Term Wealth: Get a realistic view of your retirement savings and future monthly pension.
- Maximize Tax Savings: Understand how much deduction you can claim annually.
- Customize Inputs: Adjust values like retirement age, contribution amount, and annuity ratio to suit your goals.
- Compare Returns: Use it to compare NPS with other retirement schemes like PPF or EPF.
📘 How NPS Works
The National Pension Scheme is a government-backed retirement plan regulated by the PFRDA, open to all Indian citizens between 18–70 years. Contributions made toward NPS are invested in equity, government securities, and corporate bonds, generating market-linked returns. Upon retirement, up to 60% can be withdrawn tax-free as a lump sum, and the remaining 40% is used to purchase an annuity that pays a monthly pension.
🔍 FAQs
Q1. How is the NPS maturity amount calculated?
The maturity corpus is calculated using your total contributions, investment tenure, and assumed annual return.
Q2. What’s the maximum tax benefit in NPS?
You can claim up to ₹2,00,000 under 80CCD(1) and 80CCD(1B), and additional contributions by employers are eligible under 80CCD(2).
Q3. Can I change the annuity ratio?
Yes. Our NPS Calculator allows you to adjust the percentage of the corpus you want to convert into pension.
🚀 Start Planning Now
Use our free NPS Calculator today to take control of your financial future. Whether you're starting early or nearing retirement, this tool helps you optimize your savings, estimate your monthly pension, and ensure a secure retirement.