NPS Calculator
National Pension System: retirement tak kitna corpus banega, aur usme se kitni monthly pension milegi — ek nazar me.
How NPS corpus is calculated
Aapka har mahine ka contribution market me invest hota hai, aur us par return bhi compound hota hai. Retirement tak ka corpus monthly-compounded future value hai:
where M = monthly contribution, r = expected annual return %, t = years to retirement. Last multiplier (1 + r/1200) contribution month ke shuru me maanta hai.
Retirement par NPS rules: kam se kam 40% corpus se annuity kharidni padti hai (jisse pension aati hai), aur maximum 60% lump sum nikal sakte hain. Pension = annuity corpus × annuity rate ÷ 12.
Worked example: Age 30, retirement 60 (30 saal), ₹5,000/month, 10% return, annuity 6% → corpus ≈ ₹1,13,96,627. Lump sum 60% ≈ ₹68,37,976, annuity 40% ≈ ₹45,58,651, aur monthly pension ≈ ₹22,793.
FAQ
NPS par tax kaise lagta hai?
Retirement par 60% lump sum fully tax-free hai (NPS me se, section 10(12A) ke tehat). 40% annuity purchase bhi tax-free hai — lekin us se jo monthly pension aati hai, wo aapke slab rate par taxable hoti hai. Saath hi, NPS me aapke apne contribution par section 80CCD(1) ke tehat exemption milti hai (80C limit ke andar), aur additional ₹50,000 80CCD(1B) me — ye purani regime me hi.
60% se zyada lump sum mil sakta hai?
Nahi. PFRDA rules ke hisaab se minimum 40% corpus se annuity kharidna mandatory hai, isliye lump sum 60% se zyada nahi. Corpus ₹5 lakh se kam ho toh poora nikal sakte hain (annuity zaruri nahi) — ye special rule hai.
Sabhi scheme ka return same hota hai?
Nahi. NPS me scheme chunni hoti hai — mostly Equity (E), Corporate Bond (C), Government Securities (G) aur Alternative (A). Active choice me aap allocation set karte ho; Auto Choice (LC50/LC75) me age ke saath equity apne aap kam hoti jaati hai. Return market par depend karta hai, guaranteed nahi.
Employer NPS (Corporate) me contribution add karna hai?
Is calculator me aap apne total monthly contribution daal dein (aapka + employer ka). Corporate NPS me employer ka contribution alag 80CCD(2) me exempt hota hai — ye limit ₹50,000 wali 80CCD(1B) se upar hai, aur naye regime me bhi milta hai.
Kya NPS ka paisa beech me nikal sakte hain?
Partial withdrawal (25% tak apne contribution ka) kuch conditions par allowed hai — ghar kharidna, bachche ki padhai, medical treatment wagairah, aur sirf 3 saal ke baad. Jaldi exit (exit load) par restrictions aur penalty hoti hai. Isliye NPS long-term product hai — short-term emergency fund ke liye nahi.