NPS Calculator

National Pension System wealth and pension projection.

Monthly Investment

₹

Expected Return (p.a.)

Time Period (Years)

Yrs

Scenario Analysis (Assumed Returns)

Conservative

10%

38,28,485

Base

12%

49,95,740

Higher

14%

65,81,731

Labels are estimates based on your base rate (12%).

Estimated Maturity Value

₹49,95,740

Total Principal

₹5,000

Estimated Returns

₹37,95,740

Portfolio Mix

Invested

Returns

Growth Curve

You invest ₹5,000 every month for 20 years. At an estimated 12% annual return, your total investment is ₹12,00,000 and the estimated total value is approximately ₹49,95,740. Around ₹37,95,740 represents estimated growth.

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How it works

A voluntary retirement scheme with a mix of equity and debt.

The formula

Accumulation + Annuity projection

M: Monthly Contribution
E: Equity Exposure

Worked example

Investing ₹10k monthly until 60 to get a pension + lumpsum.

Pro tips

Extra ₹50,000 tax deduction under Sec 80CCD(1B).

Common mistakes

Selecting too little equity in younger years.

Go deeper

Related lessons

Retirement Planning

Concepts to explore

NPS Tier 1 vs Tier 2

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.