NPS Calculator
Use the NPS Calculator to find out exactly how much lumpsum you will take home and what your monthly pension will look like at age 60.
The Unique 60/40 Rule of NPS Calculator
Unlike a fixed deposit or mutual fund, where you withdraw everything, NPS has a strict government-mandated exit rule. When you retire at 60, you can only take 60% of your total corpus as a tax-free lumpsum.
The remaining 40% must be used to purchase an annuity plan from a life insurance company, which guarantees your monthly pension for life. NPS calculator maps out both numbers simultaneously, so you know exactly what you are walking away with.
What Drives Your NPS Corpus?
Three main factors dictate how large your retirement fund gets:
Your Age
This is the most critical variable. Because NPS relies on compounding, starting at 25 rather than 35 results in a massive difference in your final corpus, even if you make the same monthly contribution.
Contribution Amount
You can start with as little as ₹500 a month. The higher your monthly input, the faster your equity and debt funds compound over the decades.
Expected Return Rate
Your actual return depends on how you split your money between NPS asset classes (Equity, Corporate Bonds, Government Securities). Equity generates higher returns but involves volatility, while government securities are safer but yield less.
The Tax
Advantage
NPS gives you a dual tax benefit under the old tax regime. You get a standard ₹1.5 Lakh deduction under Section 80C, plus an exclusive additional ₹50,000 deduction under Section 80CCD(1B). This makes it one of the most tax-efficient ways to build a retirement corpus.
FAQs.
Frequently asked answered questions.
Our Trusted Partners & Licenses
Vestbox
Your wealth deserves exclusivity, your strategy deserves intelligence.
Jbr Tech Park, Whitefield, Bengaluru, Karnataka - 560066
Disclaimer
Vestbox is a technology platform that facilitates access to financial products and investment-related services. Investments in mutual funds, securities, PMS, AIFs, SIFs, and other market-linked products are subject to market risks. Past performance is not indicative of future returns.
The information provided on this website is for general informational and educational purposes only and should not be construed as financial, investment, legal, or tax advice. Users are advised to carefully read all scheme-related documents and consult their financial, legal, or tax advisors before making any investment decision.
Vestbox does not guarantee returns, capital protection, or the accuracy/completeness of third-party information available on the platform. Any views, market outlooks, or opinions expressed are based on available information and are subject to change without notice.
Investment products offered through the platform may be distributed in association with registered intermediaries, AMCs, brokers, or licensed entities, wherever applicable.
By using this website, you acknowledge and agree that all investment decisions are made at your own discretion and risk.