NPS Calculator Online


With this NPS (National Pension System) calculator, subscribers will know how tentative Pension and the amount of money paid immediately may expect on retirement at 60 years of regular monthly contributions to the NPS account.

What is NPS(National Pension System)?

The National Pension System (NPS) is a voluntary, defined contribution retirement savings scheme that enables subscribers to make decisions for the future by making systematic savings throughout their working lives.

How can an NPS calculator help you?

The NPS (National Pension Scheme) calculator calculates the provisional lump sum and pension amount that an NPS subscriber can expect at retirement based on monthly contributions, an annuity purchased, expected rate of return on investments, and allowance.

  • It informs you of the amount of money you are entitled to in the future.
  • Under current legislation, no one can withdraw the full post-retirement benefits.
  • The calculator is always right.
  • Finally, using the calculator, we can now determine the taxation rule on pension funds, the total amount you will have at the end of each month, and several other details.

NPS formula for calculating Pension

Like all pension schemes worldwide, NPS uses compounding interest to calculate returns.

The formula for the National Pension Scheme (NPS) calculator India uses is:

A = P (1 + r/n) ^ nt

In the equation, the amount is A. The other variables are the following.

P: Principal

R/r :Interest rate per annum

N/n: Number of times interest compounds

T/t: Total tenure


How pension aggregates are critical in this case.

If you are 34 years & your monthly contribution is Rs 3000, and you must continue contributing to your pension account for another 26 years. The National Pension Plan calculator provides information assuming an annual interest rate or ROI of 10%.

Total principal invested = 9.36 lakh rupees

The expected maturity amount is 44.35 lakh.

How to use the NPS (National Pension Plan) Calculator?

These are the steps to calculate a PensionThe contribution made by the worker equals 12% of their Basic Pay plus Dearness Allowance (DA). When the Basic Pay + DA is less than or equal to Rs 15000, the employee contribution is 12% of Basic Pay + DA, whereas the employer contribution is 3.67% of the Basic Pay + DAThese are the steps to calculate a Pension.

  • Enter the amount you want to invest monthly in the pension scheme towards your retirement corpus.
  • Give your current age.
  • Select the expected rate of return using the slider.

National Pension Scheme Calculator Advantages

These are the advantages of the NPS Calculator

  • No more manual calculations. It will show the correct results every time.
  • We will now know how much your pension amount will be. That will aid you in future planning.
  • One-stop online calculation.

How does the NPS calculator work?

With your input, you will get the corpus you will accumulate at the time of your retirement. The entity will calculate using the power of the compounding principle.


Does the NPS calculator help me determine the tax amount I must pay when withdrawing the money?

No, tax implications not calculate

I have helped the Auto choice – Lifecycle Fund, which NPS offers. Can I use the NPS calculator?

Yes, you can easily do so.

Who can use the NPS calculator?

The NPS calculator can use by anyone eligible to invest in the scheme. As per the NPS rules, any Indian citizen between the ages of 18 years and 60 years can invest in the plan. To start investing in the program, the person must comply with know-your-customer (KYC) norms.

Is NPS calculated monthly or yearly?

You can calculate NPS's maturity value for both monthly and yearly contributions.