NPS is a voluntary, defined-contribution retirement scheme regulated by PFRDA. You contribute during working years; the corpus is used at retirement for a lump sum and an annuity that provides pension income.

They are illustrative return assumptions for planning: Aggressive ~12%, Moderate ~10%, Conservative ~8% p.a. Actual NPS returns depend on your fund allocation (E/C/G/A) and market performance.

Under typical NPS exit rules, a minimum share of the corpus must purchase an annuity. Presets of 40%, 60% and 80% let you model different lump-sum vs pension splits. Confirm current PFRDA rules before retiring.

Annuity corpus × assumed annuity yield (default 6% p.a.) ÷ 12. Real annuity quotes from life insurers differ by age, product and interest rates.

Enter a target corpus at age 60 and the calculator solves for the required monthly or yearly contribution given your age, return assumption and any existing corpus.

Contributions and compounding run until age 60 (standard NPS retirement age in this tool). Enter your current age between 18 and 59.

Eligible contributions may qualify under Section 80CCD(1), an additional 80CCD(1B) (up to ₹50,000 historically), and employer 80CCD(2) in some cases. Limits and regimes change — verify for your assessment year.

They serve overlapping but different goals. EPF is employer-linked with declared rates; PPF is a fixed small-savings product; NPS is market-linked with annuity requirements. Many investors use a mix.

No. The model assumes Tier I-style accumulation to age 60 with regular contributions. Tier II liquidity and mid-career withdrawals are not simulated.

No. Expected return is an assumption for illustration. Equity and debt markets can deliver higher or lower outcomes. Past performance does not guarantee future results.

Enter contribution, current age, expected return mix and annuity rate assumptions. At exit, at least 40% of corpus generally must buy an annuity (subject to NPS rules). Projections are illustrative, not PFRDA guarantees.

The tool focuses on corpus/pension projection. Additional deduction under 80CCD(1B) (up to notified limits) and employer 80CCD(2) depend on your tax regime — verify in an income tax planner or with a CA.