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NPS Calculator 2026 - National Pension System Calculator

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NPS Calculator se aap apna National Pension System (NPS) retirement corpus, lumpsum withdrawal amount aur estimated monthly pension calculate kar sakte hain, apni monthly contribution aur expected return ke basis par.

NPS Calculator

Formula: Corpus = C × [((1+i)^n − 1)/i] × (1+i), jaha C=Monthly Contribution, i=Monthly Return, n=Total Months. Retirement pe minimum 40% corpus se annuity lena mandatory hai.

Example

Agar 30 saal ki age se ₹5,000/month NPS me 10% expected return pe 60 saal tak (360 months) invest karte hain, to total corpus approx ₹1.14 Crore banega. Isme se 40% se annuity leni hogi jo lifetime monthly pension degi, aur 60% lumpsum tax-free milega.

NPS Ke Fayde

FeatureDetails
Tax BenefitSection 80CCD(1B) ke under extra ₹50,000 deduction (80C ke upar) - Income Tax Act 2025 me Section 124(3), sirf Old Regime me available
Low CostFund management charges sabse kam hote hain compared to mutual funds
Market LinkedEquity, Corporate Bonds aur Govt Securities me diversified investment
Partial Withdrawal3 saal ke baad kuch conditions me partial withdrawal allowed hai

FAQ

Q1: NPS me minimum kitna annuity lena mandatory hai?
Retirement ke time corpus ka minimum 40% annuity (pension plan) me lagana mandatory hai, baaki 60% tak lumpsum tax-free nikal sakte hain.
Q2: NPS returns guaranteed hain?
Nahi, NPS market-linked scheme hai (equity aur debt mix), returns fund performance par depend karte hain.
Q3: NPS aur PPF me kya farak hai?
PPF fixed, government-backed guaranteed return deta hai jabki NPS market-linked hai jisme higher return potential hai lekin risk bhi zyada hai. NPS retirement-focused hai with mandatory annuity.
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