NPS Calculator

NPS Pension Calculator is a financial tool that calculates potential returns on the National Pension Scheme, by inputting factors like age, monthly investment, and expected rate of returns, it estimates future pension, helping investors in informed decision-making for systematic and disciplined investment strategies.

Peaceful Post-Retirement Life
Tax Free Regular Income
Wealth Generation to beat Inflation

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7.7 Crore

Registered Consumer

Insurance Partners

4.2 Crore

Policies Sold

Invest ₹6,000/month & Get Tax Free Monthly Pension of ₹60,000

Get the best returns & make the most of your golden years

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We are rated^~

7.7 Crore

Registered Consumer

Insurance Partners

4.2 Crore

Policies Sold

Disclaimer: ##Rs 60,000 are the monthly pension amounts at the assumed rate of return of 8% p.a. and 4% p.a. for unit linked insurance plans. This is an illustrative example and the returns are not guaranteed & dependent on the policy term and premium term availed along with the other variable factors. The market linked return of 60K per month is for an 18 year old investing 6k per month for 20 years in a whole life policy having policy term 82 years in which Systematic partial withdrawals start at the age of 65 years at 5% rate of withdrawal per year. The investment risk in the policy is borne by the policyholder. All Plans listed here are of insurance companies’ funds. *Tax benefits and savings are subject to changes in tax laws. All Plans listed here are of insurance companies’ funds. Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

NPS Calculator

Your Age

Years

18 Years 59 Years

Enter Your Age

Monthly Investment

₹

₹500 ₹10L

Enter Investment Per Month

Expected Return on Investment

5% 15%

Expected Return on Investment

Percentage of Corpus Allocated for Pension

40% 100%

Enter Corpus Percentage

Expected Return from Pension

5% 15%

Enter Annuity Return

₹0

Your Monthly Pension

₹0

Your Monthly Pension

Your Pension Calculation

Total Investment

Returns Earned

Maturity Amount

Maturity Amount split (Lumpsum & Pension)

60%

Lumpsum Amount

At the age of 60 Yrs

40%

Pension Wealth

At the age of 60 Yrs

What is the NPS Calculator in India?

As the importance of planning for retirement becomes increasingly evident, the popularity of the NPS pension calculator is growing. The National Pension Scheme calculator helps in estimating the retirement pension by calculating the monthly contribution. It simplifies retirement planning, helping users determine suitable contributions. By using the NPS pension calculator, you can get an idea about how much to contribute monthly to obtain a suitable corpus post-retirement. Indian citizens between 18 and 60 are eligible to buy the NPS scheme.

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Max Life High Growth Fund

AUM:8,482 Cr

8,482 Cr

NAV

119.99

1.59%

Returns

23.95%

Returns

31.9%

Highest Return

Returns

20.47%

Get Details

Tata AIA Whole Life Mid Cap Equity Fund

AUM:13,435 Cr

13,435 Cr

NAV

158.69

2.49%

Returns

21.08%

Returns

27.7%

Highest Return

Returns

20.43%

Get Details

Bajaj Allianz Accelerator Mid-Cap Fund II

AUM:6,452 Cr

6,452 Cr

NAV

86.49

1.27%

Returns

17.79%

Returns

22.67%

Highest Return

Returns

16.96%

Get Details

HDFC Standard Opportunities Fund

AUM:40,966 Cr

40,966 Cr

NAV

78.44

1.16%

Returns

15.75%

Returns

23.42%

Highest Return

Returns

16.86%

Get Details

Disclaimer:
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

How Can an NPS Calculator Help You?

Here’s how an NPS return calculator online can help you:

Estimates Future Pension: An NPS pension calculator gives you a clear estimate of how much pension you can expect after retirement based on your current contributions and expected returns.
Calculates Investment Returns: The NPS return calculator helps you find the potential returns from your NPS investments, ensuring you make informed decisions.
Helps You Plan Contributions: By using the NPS scheme calculator, you can adjust your monthly or yearly contributions to achieve your desired retirement corpus.
Compares Different Investment Scenarios: With the best NPS calculator, you can compare different scenarios by changing factors like contribution amount and tenure to find the best strategy for your retirement goals.
Tracks Growth Over Time: The National Pension Scheme calculator allows you to track the growth of your investments over time, helping you stay on top of your retirement planning.
Easy Accessibility: The NPS calculator online is a user-friendly tool that can be accessed anytime, allowing you to calculate your pension and returns from the convenience of your home.
Assists in Choosing the Right Annuity Plan: By using the NPS calculator in India, you can better understand the annuity options available post-retirement and select the one that suits your financial needs.

NPS Pension Calculator Formula

The NPS scheme allows subscribers to invest in various pension plans, including the Birla Pension Fund, HDFC Pension Fund, LIC Pension Fund, and SBI Pension Fund. The best NPS calculator uses a formula that helps in the calculation of the returns. Below is the NPS formula:

How to Calculate NPS Online?

Start a stress-free retirement journey with Policybazaar's NPS Calculator online. In just six easy steps, input your age, monthly investment, and expected returns. Customize your pension allocation preferences. The calculator reveals your future monthly pension, lump sum, and pension wealth.

Follow these steps:

Step 1: Input your current age in years

Step 2: Specify the amount you are willing to invest in the National Pension Scheme every month

Step 3: Provide the expected rate of return on your investments

Step 4: Decide the percentage of the accumulated corpus that you want to allocate for receiving a pension in the future

Step 5: Enter the expected rate of return for the pension phase

Step 6: The NPS return calculator will show you the estimated monthly pension, lump sum amount, and pension wealth

Let us understand the NPS pension calculation with the help of an example:

Mrs. Khanna, a 25-year-old, invests Rs. 10,000 monthly in the National Pension Scheme with a projected 9% interest. Anticipating retirement at 60, she allocates 40% of her corpus for pension, with an expected rate of return of 6%.

Total Investment- ₹42 Lakhs

Returns Earned- ₹2.54 Cr.

Maturity Amount- ₹2.96 Cr.

Monthly Pension- ₹59,277

Invest More Get More

Invest ₹10K/Month YOU GET ₹1.5 LAKHS^* MONTHLY PENSION View Plans

Invest ₹7K/Month YOU GET ₹1 LAKHS^* MONTHLY PENSION View Plans

Invest ₹5K/Month YOU GET ₹75 THOUSAND* MONTHLY PENSION View Plans

standard T&C Apply *

Benefits of NPS Calculator Online

Below are the benefits of the national pension scheme calculator:

Accurate Results: The NPS calculator online provides precise projections of the potential pension amount based on your contributions, making future planning easier.
Ease of Use: With the NPS pension calculator, users can quickly calculate their expected returns without complicated formulas.
Instant Results: Using the NPS scheme calculator, you can get instant insights into your retirement corpus and pension based on your chosen contributions and tenure.
Compare Different Scenarios: The NPS return calculator enables you to compare different investment scenarios to find the best strategy for higher returns.
Best Tool for Retirement Planning: The best NPS calculator helps you design a personalized retirement plan, ensuring you are on the right track for financial security post-retirement.
Accessibility: The NPS calculator online is easily accessible and free, making it convenient for anyone looking to plan their retirement without hassle.

Who Can Use the NPS Return Calculator?

Below is the list of people who can use the NPS pension calculator:

People looking to build a retirement corpus.
Anyone aged between 18 and 60 years.
Private-sector employees.
Government employees can also use the NPS calculator for government employees.
Anyone planning for retirement.

Conclusion

An NPS calculator online is an important tool for anyone looking to plan their retirement effectively. With an NPS return calculator, you can easily estimate your future pension and corpus based on your contributions and tenure. The best NPS calculators are available online, making retirement planning both easy and accessible. You can confidently make informed decisions for a secure financial future.

Frequently Asked Questions

How do I log in to my NPS account?
You can log in to your NPS account through the following methods:
- NPS Login with PRAN: Use your PRAN (Permanent Retirement Account Number) and password to access your account.
- NPS Online Login: Visit the official NPS website or use the NPS app to log in using your PRAN and password.
What is the current interest rate on NPS?

The interest rate on NPS is not fixed. It varies annually and is determined by the Pension Fund Regulatory and Development Authority (PFRDA). You can check the current interest rate on the official NPS website or consult with your NPS service provider.
How can I open an NPS account?
You can open an NPS account online through the following methods:
- Through the NPS website: Visit the official NPS website, register as a new user, and follow the online application process.
- Through a Point of Presence (POP): Visit a designated POP, such as a bank or financial institution, and fill out the necessary paperwork to open an NPS account.
Where can I find the NPS login page?

You can find the NPS login page on the official NPS website or by downloading the NPS app. Once you access the login page, you can enter your PRAN and password to log in to your account.
Can I trust the results from an NPS Calculator Online?

Yes, results from an NPS calculator are generally accurate. However, actual returns may vary based on market performance and other factors. These tools are useful for estimating and planning purposes.
Is NPS interest fixed?

The interest rates for NPS are not fixed; they fluctuate based on market performance.
Is there a lock-in period for NPS?

No, NPS does not have a lock-in period.
Is NPS calculated monthly or yearly?

While contributions to NPS are typically made monthly, the interest accrual and corpus growth are calculated annually.
Can I use the NPS calculator for retirement planning?

Yes, the NPS calculator is a useful tool for estimating your future corpus and pension based on current contributions and expected returns.
How can I get a 50,000 pension per month in NPS?

To get a ₹50,000 monthly pension in NPS, you'll need to make substantial contributions over time and choose investment options wisely. Consulting a financial advisor for a tailored plan is recommended.
How do I calculate my NPS?

Calculating NPS involves considering contributions, investment returns, and annuity rates. Policybazaar National Pension Scheme calculator can help with precise estimations.
How do you calculate NPS? Show an example.

Example: If you invest ₹10,000 monthly in NPS for 30 years, with an average annual return of 8%, your corpus can be calculated using compound interest formulas or seamlessly using the Policybazaar NPS calculator.
Is NPS better than PPF?

Comparing NPS and PPF depends on your financial goals. NPS offers the potential for higher returns but has market risk. PPF is a safer, government-backed option with lower returns but tax benefits. Diversifying between the two can be a balanced approach.
Where can I find an NPS calculator?

There are a number of NPS calculators available online. You can use Policybazaar’s NPS calculator.
Is the NPS calculator available for free?

Yes, the NPS calculator is usually available for free on official websites and financial service providers. You can use it without any cost to estimate your potential pension amount.
Can the NPS calculator help me choose the right investment option?

Yes, the NPS calculator can assist you in choosing the appropriate investment option based on your risk tolerance and retirement goals. It allows you to compare the projected pension amounts for different investment choices within NPS, such as equity, corporate bonds, and government securities.
Can I change the input values in the NPS calculator later?

Yes, you can change the input values in the NPS calculator as and when required. You may update your contribution amount, investment period, or expected returns to see how it affects your projected pension amount.
Can I invest in NPS for 10 years?

NPS scheme allows premature exit after 10 years of investment in the scheme only if you invest 80% of the accumulated corpus for annuity purchasing. Other than this, one can exit the scheme only at superannuation or upon death.
Which bank is best for NPS?

SBI Pension Fund and ICICI Prudential Pension Funds have the best returns for a 3-year term for an NPS scheme subscription.
What is the average return of NPS?

According to past trends, the NPS scheme gave annual returns between 8-10%.
What happens to NPS after death?

According to the regulations made by PFRDA, in case of the death of a subscriber, the nominee or the legal heir is to be paid the full (100%) corpus amount.

NPS (National Pension Scheme) Calculators

LIC NPS Calculator

NPS Calculator For Govt. Employees

Axis NPS Calculator

Post Office NPS Calculator

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.