NPS Calculator
Inputs
Manual Entry OnResults
LiveTotal Invested
Total Corpus @ Retirement
Lump Sum Withdrawal
Annuity Corpus
Estimated Monthly Pension
Inflation-Adjusted Corpus
- Tier I / mo (Year 1) ₹ 0
- Tier II / mo ₹ 0
- Annual Step-Up 5%
- Duration 0 years
- Returns (T1/T2) 10% / 10%
- Annuity % 40%
| Year | T1 Mo.(Start) | Contrib (T1) | Interest (T1) | End Bal (T1) | Contrib (T2) | Interest (T2) | End Bal (T2) | Total End Bal |
|---|
What is it & why use it?
Estimate retirement corpus and pension with our NPS Calculator by combining employee and employer contributions. This tool on Calci.in explains concepts in plain language and helps you plan retirement contributions.
Formula (explained)
Corpus = (Monthly Contribution × (1 + r)^n – 1) / r × (1 + r)
Variables: r = monthly return rate, n = number of months, Contribution = monthly combined contribution.
Example calculation
Employee+Employer ₹5,000/month for 25 years at 10% return → Corpus ≈ ₹65 lakh (illustrative).
Benefits & use cases
• Plan retirement corpus
• Compare Tier 1 & Tier 2
• Know pension annuity value
Related calculators on Calci.in
PF & Gratuity Calculator
Income Tax Calculator
SIP Calculator
External references (authority sources)
PFRDA – NPS
NSDL – NPS Trust
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FAQs
Q1: Is NPS mandatory?
A: No, it is voluntary for most citizens but mandatory for certain government employees.
Q2: Is NPS taxable?
A: Contributions qualify for tax deduction under 80C and 80CCD, withdrawals are partially taxable.
Q3: What is Tier 1 vs Tier 2?
A: Tier 1 is mandatory retirement account, Tier 2 is optional flexible account.
Q4: When can I withdraw NPS?
A: Partial withdrawal allowed after 3 years; full after 60 years with annuity purchase rules.