NPS Calculator

Plan your retirement with the National Pension System. Estimate your maturity amount and pension.

NPS Details

30 Years
5,000
10 %
6 %
60 %

Total Investment

0

Maturity Amount

0

Monthly Pension

0

Year-wise Projection

Year Age Invested Amount Corpus Value

NPS Calculator

NPS Calculator online.

NPS Calculator – Free National Pension System Calculator Online The NPS Calculator is a free online tool that helps you calculate your National Pension System (NPS) maturity value, total corpus, pension amount, and lump sum withdrawal. It gives you a clear idea of how your monthly or yearly investment in NPS will grow over time and how much pension you can expect after retirement. The National Pension System (NPS) is a government-backed retirement savings scheme designed to help individuals build a stable financial future. It allows you to invest regularly during your working years and receive a steady income after retirement. With the NPS Calculator Free Online, you can plan your contributions, estimate your future wealth, and make informed financial decisions easily. To use the NPS Calculator, you just need to enter a few simple details — your current age, retirement age, monthly contribution amount, expected rate of return, and percentage of annuity purchase. The calculator instantly displays your total invested amount, maturity value, lump sum withdrawal, and monthly pension. For example, if you are 30 years old and invest ₹5,000 every month until retirement at 60 years, with an average annual return of 10%, the calculator will show you your estimated total corpus at retirement. It will also calculate how much you can withdraw as a lump sum (up to 60%) and how much you can use to buy an annuity (minimum 40%) to receive a regular monthly pension. This free NPS Calculator Online works for all currencies — INR, USD, EUR, GBP, and more — making it suitable for both Indian and international users. It is a browser-based tool, so you can access it instantly without downloading any software or sharing personal details. The NPS Calculator is based on compound interest and uses the standard NPS rules set by the Pension Fund Regulatory and Development Authority (PFRDA). It considers both Tier I and Tier II accounts, helping you estimate the total growth of your retirement savings. Here’s what you get when you use the NPS Calculator Free Online: Total amount you invest during your contribution period. Estimated total corpus at retirement age. Portion of lump sum withdrawal (up to 60%). Estimated pension amount based on annuity purchase. This calculator is perfect for: Salaried individuals contributing monthly to NPS. Self-employed professionals or freelancers planning for retirement. Anyone who wants to know how much wealth they can build before retirement. The NPS Calculator Online is simple, accurate, and 100% free. It helps you make long-term financial plans by showing how your small monthly investments can grow into a large retirement corpus. You can adjust your monthly contribution or return rate anytime to see how your savings change over time. The formula used by the NPS Calculator is based on the compound interest principle: A = P × ((1 + r/n)^(n×t) - 1) / (r/n) Where: A = Maturity amount P = Monthly contribution r = Annual rate of return (in decimal) n = Number of compounding periods per year t = Number of years of contribution The calculator then divides the total maturity amount into two parts — the lump sum withdrawal (up to 60%) and the annuity purchase (minimum 40%) — as per NPS withdrawal rules. For example: If your NPS corpus at 60 years is ₹1 crore, you can withdraw ₹60 lakh as a lump sum (tax-free) and use ₹40 lakh to purchase an annuity, which will give you a monthly pension depending on the annuity rate (for example, 6% per annum). Using this NPS Calculator Free Online, you can easily plan how much to invest every month to reach your retirement goal. You can also compare different contribution amounts, retirement ages, or return rates to find the best plan for your future. It’s also useful for comparing NPS returns with other long-term investment options like PPF, EPF, Mutual Funds, and Fixed Deposits. You’ll see how compounding power helps your money grow faster over the years. The NPS Calculator is also helpful for tax planning. Contributions to NPS qualify for tax benefits under Section 80C and 80CCD(1B) of the Income Tax Act, 1961. You can enter different contribution amounts and check how much tax you can save annually. This tool supports multi-currency use, so if you are an NRI investing in NPS, you can estimate your corpus in INR and equivalent foreign currency. It’s 100% browser-based and privacy-safe — your data stays on your device, and no information is stored. You can use it anytime from mobile, tablet, or desktop. Here’s why you should use the NPS Calculator Free Online: Instant estimation of maturity value and pension amount. Multi-currency and global compatibility. Compare different investment and retirement scenarios. Helps in tax and retirement planning. Accurate and free to use. Works directly in your browser — no signup required. You can also experiment with different annuity purchase percentages to see how it changes your pension income. For example, setting the annuity portion to 50% instead of 40% gives a higher monthly pension but reduces the lump sum withdrawal. If you’re in your 20s or 30s, using the NPS Calculator helps you understand the power of early investing. Starting small and investing regularly for 25–30 years can create a massive retirement corpus due to compounding. Even a small increase in your monthly contribution can make a big difference over time. The calculator also helps users nearing retirement age plan their final contributions. By entering your current corpus and expected future returns, you can estimate how much to invest in your remaining years to reach your target. Because the National Pension System is one of the most stable, low-cost, and government-regulated pension schemes, using this calculator helps you visualize your future financial security clearly. It’s a smart tool for anyone who wants to achieve financial independence after retirement without confusion or guesswork. Start using the NPS Calculator on Narbariya.com today. It’s free, fast, and accurate. Just enter your details, adjust your inputs, and get instant results showing how your NPS investment will grow over time. Plan your retirement smartly — calculate your NPS maturity, corpus value, and monthly pension in seconds with this free online NPS Calculator.