🏛️ NPS Calculator
Retirement ke liye NPS me kitna corpus banega — abhi plan karo.
Last updated: 7 Oct 2026 · Calculation based on publicly known formulas. This is an estimate — actual values may vary.
Result
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Market-linked returns hain — guarantee nahi. This is an estimate. Actual values may vary.
How we calculated it
Monthly contribution P, mahine ki shuruaat me mana gaya: Corpus = P × (((1+r)^n − 1)/r) × (1+r), jahan r = annual return ÷ 12 ÷ 100, n = saal × 12. Total contribution = P × n; returns = corpus − contribution. Saath me standard 60% lump-sum / 40% annuity split bhi dikhaya gaya hai, aur 6% annuity rate par indicative monthly pension.
Honest limits
- NPS market-linked hai — 10% sirf assumption hai, actual returns equity/debt allocation par depend karte hain.
- Tier I se 60 saal se pehle nikalne par sakht shartein hain; Tier II me kabhi bhi nikal sakte hain.
- Annuity rates waqt ke hisab se badalte hain — pension sirf andaza hai.
This is an estimate. Actual values may vary. For official figures, always check the relevant authority or official notification.
Frequently asked questions
NPS Tier I aur Tier II me kya farq hai?
Tier I retirement account hai — 60 saal tak lock-in jaisa, par tax benefits milte hain. Tier II voluntary savings account hai — kabhi bhi withdraw kar sakte hain, par khaas tax benefit nahi.
Retirement par poora paisa ek saath milega?
Nahi — niyam ke mutabik kam se kam 40% corpus se annuity (pension) leni hoti hai, 60% lump sum nikal sakte hain.
NPS returns guaranteed hain?
Nahi — NPS market-linked hai. Returns aapke fund aur asset allocation (equity/corporate debt/govt securities) par depend karte hain.
NPS me tax benefit kaise milta hai?
Tier I me 80C ke tahat ₹1.5L tak aur 80CCD(1B) ke tahat extra ₹50,000 tak deduction milta hai.
Annuity rate kya assume ki gayi hai?
Indicative monthly pension 6% annual annuity rate par nikali gayi hai — actual rate annuity kharidte waqt ki market rate hogi.