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
हमारे NPS कैलकुलेटर के बारे में सामान्य प्रश्नों के उत्तर खोजें
प्रिय यूज़र, हम उस नए टूल को toolsgenerate के कलेक्शन में जोड़ देंगे। बताइए, आपको कौन सा टूल चाहिए?