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NPS Contribution Tool

National Pension System Calculator, Contribution Management & Retirement Planning

NPS Contribution Calculator

Contribution Calculator

PRAN Services

Tier Account Management

Withdrawal Options

Current Age

Retirement Age

Current Monthly Income (₹)

Contribution Percentage 10% (Minimum) 12% 14% 16% 18% 20%

Expected Annual Return (%)

PRAN Number

Date of Birth

Mobile Number

Tier Account Type Select Tier Account Tier I (Pension Account) Tier II (Investment Account)

Contribution Amount (₹)

Investment Choice Select investment option Auto Choice (Lifecycle Fund) Active Choice (Select your own allocation)

Withdrawal Type Select withdrawal type Partial Withdrawal (After 3 years) Exit Withdrawal (After 60 years) Annuity Purchase

Withdrawal Amount (₹)

Reason for Withdrawal Select reason Higher Education Marriage Medical Treatment House Construction

NPS Calculation Results

Projected Retirement Corpus

₹ 0

Based on your current contributions

Contribution Breakdown

Your NPS contribution breakdown will appear here...

PRAN Status

Your PRAN status will appear here...

Withdrawal Calculation

Withdrawal calculation will appear here...

NPS Performance & Statistics

1.5Cr+

Total Subscribers

₹ 9.5L Cr

Total Assets Under Management

9-12%

Average Annual Returns

₹ 1,500

Govt. Co-contribution/Year

NPS Adoption Progress

Equity Investment Growth

Annuity Plan Coverage

Pension Fund Managers

Select Pension Fund Manager

SBI Pension Funds

LIC Pension Fund

HDFC Pension

ICICI Prudential

Kotak Pension

Aditya Birla Sun Life

UTI Retirement

Max Life Pension

Tata Pension

Axis Pension

Quick Guide to NPS

1

Open NPS Account

Visit any bank or point of presence to open your NPS account and get your PRAN.

2

Choose Contribution Amount

Decide your contribution amount (minimum ₹500 per contribution).

3

Select Fund Manager

Choose a pension fund manager and investment preference (Auto or Active).

Quick Calculation

Instantly calculate your retirement corpus with our advanced NPS calculator

Mobile Friendly

Access the tool on any device with our fully responsive design

Secure & Private

Your data is encrypted and never stored on our servers

Comprehensive Planning

Plan your complete retirement with contribution, withdrawal, and annuity options

Frequently Asked Questions

What is the National Pension System (NPS)?

The National Pension System (NPS) is a government-sponsored pension scheme launched in January 2004. It is a voluntary, long-term retirement savings scheme designed to enable systematic savings during the subscriber's working life. It aims to provide retirement income to all Indian citizens and promotes old age income security.

What are the benefits of investing in NPS?

NPS offers several benefits: 1) Tax benefits under Section 80C, 80CCD(1B), and 80CCD(2), 2) Portable account across jobs and locations, 3) Flexible investment options, 4) Low-cost pension scheme, 5) Market-linked returns, 6) Regular pension after retirement, and 7) Option to choose between Auto and Active investment choices.

How much should I contribute to NPS?

The minimum annual contribution for NPS Tier I account is ₹1,000 (at least ₹500 per contribution). There's no upper limit on contributions. However, to maximize retirement benefits, financial advisors often recommend contributing 10-20% of your salary. The government also co-contributes ₹1,000 per year for eligible subscribers under the Swavalamban scheme.

Can I withdraw money from my NPS account before retirement?

Partial withdrawals are allowed in NPS under specific conditions: 1) After 3 years of account opening, 2) For higher education, marriage, medical treatment, or house construction, 3) Maximum of 3 withdrawals during the entire tenure, 4) Up to 25% of the subscriber's own contribution. Exit withdrawals are allowed only after reaching 60 years of age.

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Complete Guide to National Pension System

The National Pension System (NPS) is a landmark initiative by the Government of India to create a pensioned society in the country. It is a voluntary, defined contribution retirement savings scheme that helps subscribers make optimum decisions regarding their future through systematic savings during their working life.

Benefits of NPS

1

Tax Benefits

NPS offers triple tax benefits - under Section 80C, additional deduction under 80CCD(1B), and employer contribution up to 10% of salary under 80CCD(2).

2

Flexibility

Choose your own investment option and pension fund manager. Switch between options and fund managers if not satisfied with performance.

3

Portability

NPS account is portable across jobs and geographical locations. No need to transfer or create new account when changing jobs.

4

Low Cost

NPS is one of the lowest cost pension schemes in the world. The fund management charges are as low as 0.01%.

Plan Your Retirement with NPS

Use our NPS calculator above to plan your retirement corpus, understand contribution requirements, and explore withdrawal options. The process is simple, quick, and secure.