The National Pension System (NPS) is a government-backed voluntary retirement savings plan regulated by PFRDA. It allows individuals to invest regularly and receive a pension income after retirement.

What are the tax benefits of NPS?

Contributions to NPS qualify for tax deductions under Section 80CCD(1) up to ₹1.5 lakh and an additional ₹50,000 under Section 80CCD(1B). Employer contributions also qualify under Section 80CCD(2).

How much pension will I get from NPS?

Your pension depends on the annuity rate and the portion of corpus allocated to annuity purchase. For instance, a ₹40 lakh corpus at 6% annuity rate may yield around ₹20,000 per month.

Can I exit from NPS early?

Partial withdrawals are allowed after 3 years for specific reasons such as education or medical expenses. Early exit after 10 years requires 80% of the corpus to be converted into annuity.

NPS Calculator — Fundulator | National Pension System Planner

Q: How is NPS return calculated?

NPS returns are market-linked and depend on the performance of fund managers and your asset allocation across equity, corporate debt, and government bonds.

Contribution Amount

Current Age (Yrs)

Invest Till Age (Yrs)

Expected Return Rate (% p.a.)

Annuity Purchase (%)

Expected Annuity Rate (% p.a.)

Add Step-Up Investment?

Add Existing NPS Corpus?

Projected Corpus
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Total Investment₹0

Total Returns₹0

Lump Sum Withdrawable₹0

Annuity Purchase₹0

Monthly Pension₹0

⚠️ Calculations shown are approximate and for illustration purposes only. Actual EPF returns and pension values may vary based on EPFO policies.

💡 Understanding Your NPS Calculator

Plan your National Pension System investments and estimate your retirement corpus.

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What is NPS?

The National Pension System (NPS) is a government-backed retirement scheme offering market-linked returns. It combines equity, corporate bonds, and government securities for balanced long-term growth.

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Flexible Contributions

Invest via monthly SIPs or annual lump sums. You control your contribution amount and asset allocation (equity, corporate bonds, government securities). Minimum ₹500/month.

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Market-Linked Returns

NPS offers potentially higher returns than traditional pension plans due to equity exposure. Historical returns range from 8–12% depending on your allocation.

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Triple Tax Benefits

Get tax deductions up to ₹2 lakh annually (₹1.5L under 80C + ₹50K under 80CCD). Partial withdrawal and 60% of corpus at retirement are tax-free. Annuity income is taxable.

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Withdrawal & Annuity

At retirement, 60% can be withdrawn lump sum (tax-free), and 40% must be used to purchase an annuity for monthly pension. Premature exit allowed with conditions after age 60.

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Smart NPS Planning

Start early to maximize equity allocation. Review and rebalance annually. Use NPS as a complement to EPF and mutual funds for a diversified retirement portfolio.

❓ Frequently Asked Questions (FAQ)

💡 What is NPS?

The National Pension System (NPS) is a government-backed retirement savings plan regulated by PFRDA, allowing regular investments and post-retirement pension income.

📈 How is NPS return calculated?

Returns are market-linked, based on your fund manager’s performance and allocation between equity, corporate debt, and government bonds.

🏦 What are NPS tax benefits?

Investments are eligible for deductions under Section 80CCD(1) and an additional ₹50,000 under Section 80CCD(1B). Employer contributions also qualify under Section 80CCD(2).

🧮 How much pension will I get?

Your pension depends on annuity rate and corpus used. For example, ₹40L corpus at 6% gives ~₹20,000/month.

🔒 Can I exit NPS early?

Partial withdrawals allowed after 3 years for specific reasons. Early exit after 10 years requires 80% corpus to be annuitized.

Fundulato₹

NPS Calculator

Yearly Projection