NPS Calculator

What is NPS?

The National Pension Scheme (NPS) is a voluntary pension scheme designed for retirement planning. It offers tax benefits and regulated investment management, making it an excellent long-term wealth creation tool.

Key NPS Benefits

• Tax deduction: Contributions eligible under Section 80C (up to limit)
• Low costs: Minimal charges compared to mutual funds
• Flexibility: Choose allocation across equity, debt, and government schemes
• Portable: Move your NPS account across cities and employers
• Partial withdrawal: Allowed for specific purposes like education or health
• Regulated: Managed by Pension Fund Regulatory and Development Authority

Important Notes

• Contributions are locked in until retirement (usually age 60)
• Returns depend on your fund choice and market performance
• At maturity, 40% can be withdrawn, rest annuitized
• Actual returns may vary based on market conditions

Disclaimer

This is an estimate based on assumed returns. Actual corpus depends on market performance and fund selection. Past performance is not indicative of future results.