Calculate your retirement corpus and monthly pension
At Retirement
Minimum 40% must be used to buy annuity
Estimated Corpus
₹1.91 Cr
At age 60
Monthly Pension
₹38,283
Lifetime income
Lump Sum
₹1.15 Cr
60% of corpus
Total Investment
₹21.00 L
Wealth gain: ₹1.70 Cr
The National Pension System (NPS) is a government-backed retirement savings scheme in India. The NPS Calculator by ToolsGen helps you estimate your pension corpus and plan for a secure retirement.
Whether you're a government employee, private sector worker, or self-employed, NPS offers tax benefits and market-linked returns for your retirement planning.
NPS is a pension scheme launched by the Government of India to provide retirement benefits to citizens. It is a defined contribution scheme where you accumulate a pension corpus during your working years.
Key features:
Using the calculator is simple:
NPS uses compound interest with your contributions and expected returns:
FV = PMT × [((1 + r)^n - 1) / r] × (1 + r)
Where:
NPS offers different asset classes:
You can choose between Active (your choice) or Auto (age-based) lifecycle option.
NPS offers excellent tax benefits:
Total tax savings can be up to ₹2 lakh annually!
✔ Instant and accurate calculations
✔ Plan retirement goals
✔ Compare different scenarios
✔ Free to use
✔ User-friendly interface
This tool is useful for:
Find answers to common questions about our NPS Calculator
The National Pension System (NPS) is a government-backed retirement savings scheme in India.
The NPS Calculator by ToolsGen helps you estimate your pension corpus and plan for a secure retirement.
Whether you're a government employee, private sector worker, or self-employed, NPS offers tax benefits and market-linked returns for your retirement planning.
NPS is a pension scheme launched by the Government of India to provide retirement benefits to citizens. It is a defined contribution scheme where you accumulate a pension corpus during your working years.
Key features:
Voluntary retirement savings scheme
Market-linked returns (equity + debt)
Tax benefits under Section 80CCD
Withdrawal options at maturity
Professional fund management
Using the calculator is simple:
Enter your current age
Enter your monthly contribution
Enter expected return rate (%)
Select your retirement age
Click Calculate
View estimated pension corpus and monthly pension
NPS uses compound interest with your contributions and expected returns:
FV = PMT × [((1 + r)^n - 1) / r] × (1 + r)
Where:
FV = Future Value (Corpus)
PMT = Monthly Contribution
r = Monthly Return Rate
n = Number of Contributions
NPS offers different asset classes:
Equity (E): High risk, high returns (up to 75% allocation)
Corporate Bonds (C): Medium risk, stable returns
Government Bonds (G): Low risk, stable returns
Alternative Investment (A): Includes REIT, InvIT
You can choose between Active (your choice) or Auto (age-based) lifecycle option.
NPS offers excellent tax benefits:
Section 80CCD(1): Up to ₹1.5 lakh under 80C
Section 80CCD(1B): Additional ₹50,000 deduction
Section 80CCD(2): Employer's contribution (up to 10% of salary)
Total tax savings can be up to ₹2 lakh annually!
Normal Exit: 60% lump sum, 40% annuity (tax-free)
Premature Exit: Before 60 years, 80% must buy annuity
Partial Withdrawal: Allowed after 3 years for specific purposes
✔ Instant and accurate calculations
✔ Plan retirement goals
✔ Compare different scenarios
✔ Free to use
✔ User-friendly interface
This tool is useful for:
Government employees
Private sector employees
Self-employed individuals
NRIs interested in retirement planning
Anyone looking for tax-saving retirement options
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