NPS Calculator 2025 - National Pension Scheme Calculator India

Our NPS calculator is 95%+ accurate for projection purposes, using official PFRDA formulas and updated market data. It considers compound interest, market-linked returns, and current NPS rules. However, actual returns depend on market performance and fund manager expertise over the investment period.

You can save up to ₹2 lakh+ annually through NPS investments. Section 80CCD(1) allows 10% of salary deduction, Section 80CCD(1B) provides additional ₹50,000 deduction over 80C limit, and employer contributions under Section 80CCD(2) have no upper limit. The 60% lump sum withdrawal is completely tax-free.

No, you cannot withdraw the entire amount. At retirement (age 60), you can withdraw maximum 60% as tax-free lump sum. The remaining 40% must be used to purchase annuity for monthly pension. This ensures regular income during retirement years and financial security.

The minimum contribution for NPS Tier-I is ₹500 per contribution with a minimum annual contribution of ₹6,000. For Tier-II accounts, the minimum is ₹250 per contribution with no annual minimum requirement. There's no maximum limit on contributions for both tiers.

Any Indian citizen between ages 18-60 can use the NPS calculator for planning. This includes salaried employees, self-employed individuals, and NRIs with valid KYC documents. Corporate employees, government employees, and individuals from unorganized sectors are all eligible for NPS investment.

Monthly pension is calculated by converting 40% (minimum) of your retirement corpus into annuity. The pension amount depends on the annuity rate offered by insurance companies at retirement. For example, if you have ₹50 lakh in annuity corpus at 6% annual rate, your monthly pension will be approximately ₹25,000.

NPS is completely portable across jobs and employers. Your PRAN (Permanent Retirement Account Number) remains the same throughout your career. You can continue contributions through your new employer or make individual contributions. The accumulated corpus remains intact and continues to grow.

NPS offers higher growth potential (8-12% expected vs 7.1% in PPF), additional tax benefits under Section 80CCD(1B), and professional fund management. However, PPF provides guaranteed returns while NPS is market-linked. NPS also has a lock-in period until age 60, whereas PPF has 15-year maturity.

Yes, partial withdrawal is allowed after 3 years of account opening. You can withdraw up to 25% of your contributions (excluding employer contributions) for specific purposes like higher education, marriage, medical treatment, or home purchase. Maximum 3 withdrawals are permitted with a gap of 5 years between each withdrawal.

Premature exit from NPS is allowed after 10 years of account maintenance. You must invest at least 80% of the corpus in annuity for monthly pension, and can withdraw only 20% as lump sum. However, if the total corpus is less than ₹5 lakh, you can withdraw the complete amount without purchasing annuity.

Yes, NRIs can invest in NPS and use our calculator for planning. NRIs between ages 18-70 with valid PAN card can open NPS accounts. Contributions must be made from NRE or NRO accounts. For repatriation of funds, contributions should be made only from NRE accounts. All NPS rules and tax benefits apply to NRIs.

Review your NPS investment annually to assess performance and rebalance if needed. PFRDA allows free switching between investment options twice per year. You can change fund managers, shift between Auto and Active choice, or adjust asset allocation based on age and risk appetite. Use our calculator regularly to track progress toward retirement goals.