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NPS Calculator

Project your National Pension System (NPS) retirement corpus. NPS is India’s voluntary retirement savings scheme, and small monthly contributions can grow into a large corpus over decades thanks to compounding. Enter your monthly contribution, expected annual return, and investment period to see your total invested amount, estimated gains, and final corpus with proper monthly compounding.

How to Use the NPS Calculator

  1. Enter your monthly contribution to NPS — even modest amounts compound powerfully.
  2. Enter the expected annual return. NPS has historically delivered around 9–12% depending on your equity/debt allocation.
  3. Enter how many years you plan to keep investing before retirement.
  4. Press Calculate to see invested amount, gains, and total corpus side by side.

Practical example

Investing ₹5,000 per month for 20 years at 10% annual return gives a total investment of ₹12,00,000, estimated gains of about ₹26,28,000, and a final corpus of roughly ₹38,28,000 — growth contributes more than twice what you put in. Bump the contribution to ₹10,000 per month at 12% for just 10 years and you still reach about ₹23,23,000. Starting early matters more than investing large amounts late, which is exactly what the year-by-year compounding in this tool demonstrates.

Key features and benefits

  • Monthly compounding: matches how NPS contributions actually grow, month by month.
  • Clear split: see exactly how much you put in versus how much growth contributed.
  • Scenario testing: try different returns and periods to find a comfortable contribution.
  • Indian formatting: results in ₹ with Indian digit grouping.
  • Private: all calculations stay in your browser.

Limitations

This is a projection, not a promise — NPS invests in equity, corporate bonds, and government securities, so actual returns fluctuate with markets and your chosen asset allocation. The calculator ignores annuity purchase rules at maturity (a portion must buy a pension annuity), taxes on withdrawal, and fund-manager charges. Use it for planning, not as financial advice, and review your allocation as retirement approaches. Also note that only a portion of the maturity corpus is withdrawable as a lump sum — current rules require part of it to purchase an annuity that pays a monthly pension, so plan your post-retirement cash flow with that in mind.