NPS Calculator - Calculatrice en ligne gratuite

1. 1

   Enter your current age - the calculator computes years to retirement (age 60).

2. 2

   Enter your monthly NPS contribution (employee contribution; employer contribution is separate).

3. 3

   Set the expected annual return - typical balanced NPS returns are 9-11% over long horizons.

4. 4

   Set the annuity rate at retirement (currently 6-7% for most providers).

5. 5

   View the projected corpus at 60, the 60% lump-sum withdrawable, and the monthly pension.

NPS contributions are invested across Equity (E), Corporate Bonds (C), Government Securities (G) and Alternative Investments (A) based on your asset allocation. The corpus grows at the blended return of all four funds. At age 60, you can withdraw 60% as a tax-free lump sum and use the remaining 40% to buy an annuity from an IRDAI-approved insurer. The annuity pays you a monthly pension for life.

• Salaried employees in the 30% bracket who already max 80C (₹1.5L) and want an additional ₹50,000 tax saving per year through 80CCD(1B). The tax saving alone funds a meaningful slice of the contribution.
• Self-employed professionals with no EPF safety net using NPS as their primary retirement engine. The Tier-1 ₹500 minimum contribution makes it easy to keep an account active even in lean years.
• Senior employees (45+) with surplus cash who are too late for high-equity SIPs but still want a tax-advantaged retirement vehicle - NPS Conservative Auto Choice + 80CCD(1B) is hard to beat.
• Couples treating NPS as a bequest and survivor pension. Joint-life annuity options pay 100% pension to the surviving spouse - a useful longevity hedge.

• Contributing only enough for the 80C limit. Most of NPS's tax magic is in 80CCD(1B), the additional ₹50,000 not counted in 80C - claim it.
• Picking a Conservative asset allocation in your 30s. Equity caps at 75% till 50 and you have 25-30 years for volatility to smooth out - Aggressive is typically the right default.
• Forgetting NPS exists when changing jobs. The PRAN (Permanent Retirement Account Number) is portable; you don't need to open a new account, just update your employer.
• Treating Tier-2 like Tier-1. Tier-2 is just a regular mutual fund without lock-in or tax benefits - useful for liquid savings, not retirement.
• Withdrawing the 60% lump-sum and parking it in FDs. After 60% tax-free, deploying it in a balanced or hybrid mutual fund SWP usually beats FD returns.

• Always opt for Direct PRAN (eNPS) - registration costs are lower and you avoid the bank's persistent-customer fee.
• Use Auto Aggressive Choice for accumulation if you don't want to think about asset allocation; switch to Active Choice in your 50s if you need more control.
• Compare annuity rates across the seven empanelled annuity service providers at retirement. Differences of 0.5-1% on a ₹50 lakh annuitisation translate to ₹2,000-3,000/month difference in pension.
• If your employer offers NPS as a salary-restructure option, the 80CCD(2) deduction (employer contribution up to 10% of Basic+DA) is the most tax-efficient ₹70,000-1.5 lakh you'll ever shelter - use it fully.
• Pair this calculator with the retirement and inflation calculators to convert the projected pension into present-day buying power.