NPS Calculator
Estimate a gross NPS corpus, permissible lump sum and annuity pension using government or non-government exit rules and adjustable return assumptions.
உங்கள் முடிவைக் கணக்கிடுங்கள்
உங்கள் எண்களை உள்ளிடுங்கள். மாற்றும்போது மதிப்பீடும் வரைபடங்களும் புதுப்பிக்கும்.
NPS
தற்போதைய வயதில் புதிய கணக்கு தொடங்குவதாகக் கணக்கிடப்படுகிறது. பொதுக் குடிமக்கள் பிரிவில் வழக்கமான வெளியேற்றம்: 60 வயது அல்லது 15 ஆண்டுகள் சந்தா; குறைந்தபட்ச ஆண்டுத்தொகை ஒதுக்கீடு 20% (அரசுத் துறை 40%). முன்கூட்டியே வெளியேறினால் 80% தேவை; சிறிய நிதித் தொகைகளுக்கான விதிவிலக்குகள் பொருந்தும். ₹8–12 லட்சம் SUR மாற்று வழிகள் கணக்கிடப்படவில்லை. தொகைகள் வரிக்கு முந்தையவை; 60%-க்கு மேலான ஒருமொத்தத் தொகைகளுக்குத் தானாக வரிவிலக்கு கிடைக்காது. உண்மையான ஓய்வூதியம் காப்பீட்டு நிறுவனத்தின் விலைப்புள்ளிகளைப் பொறுத்தது.
- ஓய்வில் நிதி
- ₹2,06,28,433
- ₹2.06Cr
- ஒருங்கு திரும்பப்பெறுதல்
- ₹1,65,02,747
- நிதியின் 80.0%
- மதிப்பிடப்பட்ட மாதாந்திர ஓய்வூதியம்
- ₹20,628
- ஆண்டுத் தொகை நிதி: ₹41.26L
உங்கள் கணக்குகள் சொல்வது என்ன
Your ₹36L of contributions could grow to ₹2.06Cr, about 5.7× what you put in.
Based on 10.0% a year for 30 years, before fund charges and tax.
Your ₹20,628 monthly pension is worth about ₹3,592 in today's money.
We assume 6% yearly inflation until age 60; annuity pensions usually stay fixed after that, so inflation keeps eating into them.
Retiring at 65 instead of 60 could add ₹1.34Cr to your corpus.
Each extra year adds new contributions plus another year of compounding on everything saved so far.
NPS நிதி வளர்ச்சி
மதிப்பிடப்பட்ட மதிப்பு, முதலீட்டுத் தொகை ஒப்பீடு. தொகைகள் ரூபாயில்.
வரைபடத் தரவைக் காண்க
| ஆண்டு | முதலீட்டுத் தொகை | மதிப்பிடப்பட்ட மதிப்பு |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹1,20,000 | ₹1,25,405 |
| 2 | ₹2,40,000 | ₹2,63,351 |
| 3 | ₹3,60,000 | ₹4,15,092 |
| 4 | ₹4,80,000 | ₹5,82,006 |
| 5 | ₹6,00,000 | ₹7,65,612 |
| 6 | ₹7,20,000 | ₹9,67,579 |
| 7 | ₹8,40,000 | ₹11,89,742 |
| 8 | ₹9,60,000 | ₹14,34,122 |
| 9 | ₹10,80,000 | ₹17,02,939 |
| 10 | ₹12,00,000 | ₹19,98,639 |
| 11 | ₹13,20,000 | ₹23,23,908 |
| 12 | ₹14,40,000 | ₹26,81,704 |
| 13 | ₹15,60,000 | ₹30,75,280 |
| 14 | ₹16,80,000 | ₹35,08,213 |
| 15 | ₹18,00,000 | ₹39,84,440 |
| 16 | ₹19,20,000 | ₹45,08,289 |
| 17 | ₹20,40,000 | ₹50,84,523 |
| 18 | ₹21,60,000 | ₹57,18,381 |
| 19 | ₹22,80,000 | ₹64,15,624 |
| 20 | ₹24,00,000 | ₹71,82,592 |
| 21 | ₹25,20,000 | ₹80,26,257 |
| 22 | ₹26,40,000 | ₹89,54,288 |
| 23 | ₹27,60,000 | ₹99,75,122 |
| 24 | ₹28,80,000 | ₹1,10,98,040 |
| 25 | ₹30,00,000 | ₹1,23,33,249 |
| 26 | ₹31,20,000 | ₹1,36,91,979 |
| 27 | ₹32,40,000 | ₹1,51,86,583 |
| 28 | ₹33,60,000 | ₹1,68,30,646 |
| 29 | ₹34,80,000 | ₹1,86,39,116 |
| 30 | ₹36,00,000 | ₹2,06,28,433 |
உங்கள் கணக்கீட்டைப் புரிந்துகொள்ளுங்கள்
NPS is a market-linked retirement scheme regulated by PFRDA. Its March 2026 exit FAQs distinguish non-government normal exit (a standard twenty-percent annuity route) from government normal exit (forty percent). Premature exits normally require eighty percent annuitisation, with small-corpus exceptions. This calculator projects a new account from the current age and shows gross, not automatically tax-free, withdrawals and pension.
NPS Calculator ஐ எவ்வாறு பயன்படுத்துவது
- 1
Enter your monthly contribution
Enter an affordable monthly contribution. The minimum is ₹500 per contribution and ₹1,000 per year.
- 2
Enter your current age and retirement age
Entry and continuation are allowed up to eighty-five under current guidance. This model starts a new account at your current age; prior corpus and subscription years are excluded.
- 3
Set the expected return
Use a planning assumption, not a promise. Deposits arrive at month-end; the annual effective return becomes a monthly factor of (1 + annual return)^(1/12). Actual performance and charges vary.
- 4
Set annuity allocation and rate
Choose an annuity share; the calculator enforces the sector, exit-type and corpus minimum. The ₹8–12 lakh six-year SUR alternative is not modelled. Use an insurer quote for the payout rate.
- 5
Read corpus, lump sum and pension
Corpus and permitted immediate withdrawal are gross. Tax exemption ordinarily covers up to sixty percent of corpus; verify additional withdrawal treatment. Pension is before tax.
உதாரணம்
₹10,000 a month from 30 to 60 at 10%
Non-government subscriber, normal exit, 20% annuity (the default) at a 6% annuity rate. The 10% yearly return becomes a monthly rate of 1.1^(1/12) − 1 ≈ 0.797%. After the first twelve month-end deposits the balance is ₹1,25,405. Over 360 months you invest ₹36,00,000 and the corpus reaches ₹2,06,28,433. 20% of that buys the annuity and the rest is the permitted lump sum. Pension = ₹41,25,687 × 6% ÷ 12.
- Total invested
- ₹36,00,000
- Corpus at 60
- ₹2,06,28,433
- Lump sum (80%)
- ₹1,65,02,747
- Annuity purchase (20%)
- ₹41,25,687
- Estimated monthly pension
- ₹20,628
About four-fifths of the corpus is growth, not your own money. The pension is before tax and fixed in rupees, so check what ₹20,628 will buy thirty years from now.
எவ்வாறு கணக்கிடப்படுகிறது
Accumulation runs month by month: balance = balance × (1 + r) + contribution, where r = (1 + annual return)^(1/12) − 1. The contribution is added at the end of each month, after that month's growth, so the last deposit earns nothing. Converting this way means twelve months of growth equal exactly your annual return assumption. Months = (retirement age − current age) × 12.
The minimum annuity share depends on the corpus and exit type. At normal exit, a corpus up to ₹8 lakh has no minimum (₹12 lakh for a non-government subscriber already 60 or older). Above that, non-government accounts need 20% and government accounts 40%. For a government corpus between ₹8 lakh and ₹12 lakh the code lets ₹6 lakh come out as a lump sum and annuitises the rest, capped at 40%. If you tick premature exit, full withdrawal is allowed up to ₹5 lakh and anything larger needs 80% annuity.
The applied annuity share is the higher of your choice and that minimum. Annuity corpus = corpus × annuity %, lump sum = corpus − annuity corpus, and monthly pension = annuity corpus × annuity rate ÷ 12. Fees, taxes and any existing NPS balance aren't included.
அடிக்கடி கேட்கப்படும் கேள்விகள்
What return should I assume for NPS?
NPS returns depend on your asset allocation, pension fund manager and market conditions. Equity-heavy choices can have higher expected return and higher volatility than debt-heavy choices. Returns are not guaranteed.
What is the tax benefit on NPS?
Own-contribution deductions under 80CCD(1) and the additional ₹50,000 under 80CCD(1B) are old-regime benefits. Employer contributions under 80CCD(2) are deductible within salary-based limits: central/state government contributions can qualify up to fourteen percent, other employers ordinarily ten percent under the old regime and fourteen percent under the new regime. The aggregate employer-contribution perquisite threshold and other conditions also apply.
How much of NPS can I withdraw at retirement?
PFRDA's March 2026 FAQs allow the standard normal-exit route of up to eighty percent lump sum and at least twenty percent annuity for All Citizen subscribers; government-sector normal exit ordinarily uses sixty/forty. Corpus up to ₹8 lakh can be fully withdrawn at normal exit. There are additional ₹8–12 lakh structured-withdrawal choices, and different premature-exit rules. Regulatory withdrawal permission does not make the entire withdrawal tax exempt.
Is NPS lump sum withdrawal really tax free?
The income-tax exemption ordinarily covers up to sixty percent of corpus at closure. PFRDA now permits larger non-government withdrawals, but amounts over sixty percent must not be labelled automatically tax-free without verifying applicable tax law. Annuity income is taxable. The calculator does not deduct this tax.
What is the difference between Tier 1 and Tier 2 NPS?
Tier I is the retirement account with regulated exit rules and potential tax benefits. Normal All Citizen exit can arise at sixty or after fifteen subscription years. Tier II generally permits unrestricted withdrawals and does not have the same tax benefits; the special central-government Tier-II tax-saver arrangement has separate rules. This calculator models Tier I.
What annuity rate should I assume?
Get a current empanelled-insurer quote. Joint-life cover and return-of-purchase-price options affect payouts. The default 6% is an assumption for life annuity without return of purchase price, not a guaranteed investment return.
Should I choose NPS or pure equity mutual funds?
NPS offers regulated retirement investing and potential tax benefits, but exit restrictions matter. Common-scheme Active Choice has allocation limits; the non-government Multiple Scheme Framework introduced in October 2025 can offer higher-equity schemes. Pure mutual funds have different liquidity and taxation. Compare these features, not an assumed universal equity cap.