NPS Calculator
Plan your retirement by calculating your National Pension Scheme corpus, lump sum, and monthly pension.
Pension Calculator
Estimate your retirement corpus and monthly pension from regular contributions
Pension Summary
Monthly pension estimated at 6% annuity rate. Actual amount depends on annuity provider.
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How National Pension System (NPS) Works
The National Pension System (NPS) is a voluntary, long-term retirement savings scheme regulated by PFRDA. It lets you allocate funds across Equity (E), Corporate Bonds (C), Government Securities (G), and Alternative Assets (A).
60% Tax-Free Lump Sum
Upon turning 60, you can withdraw up to 60% of your total corpus completely tax-free.
40% Annuity Pension
A minimum of 40% corpus is converted into an annuity that guarantees a lifelong monthly pension.
Exclusive ₹50,000 Tax Benefit
Claim deduction under Section 80CCD(1B) beyond the standard ₹1.5L Section 80C ceiling.
Low Fund Management Cost
One of the world's lowest expense ratios (under 0.09% p.a.), ensuring maximum compounded returns.
Frequently Asked Questions
Can I choose between Auto Choice and Active Choice in NPS?
Yes. Active Choice allows you to decide your own asset allocation (up to 75% in equity). Auto Choice automatically reduces equity exposure as you age (Aggressive, Moderate, or Conservative lifecycle funds).
What is the difference between NPS Tier 1 and Tier 2 accounts?
Tier 1 is the primary retirement account with tax benefits and lock-in until age 60. Tier 2 is a voluntary investment account with no lock-in and unlimited withdrawals, but without special tax deductions.