The NPS Return Calculator is a tool designed to help individuals estimate their potential returns from the National Pension System (NPS). By inputting the age at which you start your NPS contributions and your average monthly contribution amount, the calculator provides an estimate of the total invested amount by the time you reach the retirement age of 58.
The calculator takes into account an assumed annual return rate of 10%, compounded monthly. It then breaks down the total invested amount into two parts: the withdrawable amount (60% of the total investment) and the remaining amount (40% of the total investment), which is typically used to purchase an annuity. Additionally, the calculator estimates the expected monthly return from the annuity amount post-retirement.
Disclaimer: The actual pension amount that a subscriber receives from the NPS depends on several factors including the size of contributions, the investment returns earned over the investment period, and the amount used to purchase an annuity upon maturity. Since NPS investments are linked to market conditions, the scheme does not guarantee any specific benefits. The returns and pension amounts are subject to market risks and may vary.
| Total Invested Amount | |
|---|---|
| Withdrawable Amount (60% of Total Investment) | |
| Remaining Amount for Investment in Annuity (40% of Total Investment) | |
| Expected Monthly Pension After Retirement |