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Finance & Money Calculator
Illustrative math, reviewed October 2026 — not financial, tax, or legal advice. Verify rates and slabs before you sign or file.
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An NPS calculator compounds monthly contributions at an expected annual return into a retirement corpus, using the same annuity mechanics as a SIP — the return you choose stands in for your equity-debt mix. It answers one question: if you contribute this much for this long at this return, what accumulates? The page also shows the invested total so you can see how much is your money versus growth.
Enter a sustainable monthly figure, an expected return reflecting your asset allocation (aggressive lifecycle funds assume more than conservative ones), and the years to retirement. Because the horizon is decades, small return changes swing the corpus enormously — run a conservative and an optimistic case, and treat the gap between them as your uncertainty band.
It does not split the corpus into annuity vs lump sum, apply Tier I/II rules, or estimate your monthly pension — that depends on annuity rates at retirement, which vary by provider.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
Does not fetch live NPS returns or tier rules from PFRDA.
No — it shows the accumulated corpus. The monthly pension depends on the annuity rate and the share you annuitise at retirement, which vary by provider.
Neither specifically. It compounds whatever monthly figure you enter, so use your Tier I contribution for retirement planning and ignore the withdrawable Tier II balance here.
No. Everything runs in the browser tab.
That is the promise behind every tool here. Files are read in your browser tab, processed there, and discarded when you close it — never uploaded to our servers.