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NPS Calculator

Total invested
Wealth gained
₹ INR - Indian Rupee ▼
₹
%
Yr
Total invested ₹1,00,000
Wealth gained ₹12,000
Total corpus ₹0
Lumpsum (60%) ₹0
Est. pension ₹0/mo

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How to use NPS Calculator

On RupeeStart (calculator-sip.net), this NPS calculator is built for beginners starting a monthly SIP with small amounts. Monthly SIP basics, rupee-cost averaging, and first-year examples. Beginner-friendly monthly SIP education and examples.

How NPS corpus is projected

National Pension System (NPS) contributions are invested across market-linked assets. This tool models monthly investments growing at your assumed expected return until retirement.

At exit, many subscribers take about 60% as lumpsum and use about 40% to buy an annuity. Pension shown here is an estimate using a sample annuity rate—not a provider quote.

Worked example

₹5,000 per month for 25 years at an assumed 10% return can grow into a sizable retirement corpus. Lower the return assumption for a conservative plan.

Compare lumpsum vs estimated pension to decide how much income you may need from annuity products.

NPS planning tips

Asset allocation (equity vs debt) drives long-term returns and volatility—match risk to years remaining until retirement.

Additional tax deduction under Section 80CCD(1B) may apply up to ₹50,000 under current rules; verify with a tax professional.

Figures on RupeeStart are estimates for education only—not financial, tax, or investment advice. Confirm rates, fees, and terms with your lender or fund house.

Commonly Asked Questions

National Pension System (NPS) is a voluntary retirement savings scheme regulated in India. Contributions grow based on market-linked returns from your chosen asset allocation, and a portion is typically used to buy an annuity at exit.

It projects corpus from monthly contributions and assumed returns, then splits corpus into about 60% lumpsum and 40% annuity. Pension shown is an approximation using a sample annuity rate—not a guaranteed quote.

NPS contributions may qualify for deductions under Section 80CCD(1) within overall 80C limits, plus an additional deduction under 80CCD(1B) up to ₹50,000 (subject to current law). Check latest tax rules.

Exit rules depend on whether you are a government or private subscriber and your age. Typically a portion of the corpus must be annuitized at retirement, with remaining available as lumpsum under applicable rules.