NPS Calculator

Investemt Per month

Expected return (P.a)


Your age

Total Investment


Interest Earned


Maturity Amount


Min. annuity investment


What is an NPS Calculator?

The NPS (National Pension System) calculator is a tool that helps you to determine the pension amount and lump sum you will receive when you retire. The only decision you have to make is how much your monthly contribution will be to the NPS (National Pension Scheme).

Navi’s NPS calculator carries a user-friendly design and can help estimate how much retirement corpus you’ll have and the investment amount required to reach the desired savings goal. Just enter the monthly/yearly investment amount, your age and the anticipated return in percent. The online calculator will give you the NPS details in a few seconds.

How to Calculate NPS?

Calculating NPS returns can be tricky as they are market-linked investments. However, using online computing tools, the process becomes fairly simple. All you have to do is enter a few basic information regarding your pension scheme.

Here’s how you can calculate your NPS maturity amount using the Navi NPS calculator:

Enter your current age

Type in your current age

Investment per month or year

Enter the monthly or yearly amount you want to invest

Anticipated return in %

Select the percentage return you are anticipating

The potential returns will be displayed instantly on your screen.

What is the Formula to Calculate NPS?

In simple terms, the formula for calculating the total amount at the time of maturity is:
Principal invested + returns obtained over the investment lifetime.

For example: If you are 25 years old and your NPS contribution is ₹5,000 per month and the expected rate of return is 8% p.a. the total investment would be around ₹21 lakh. This investment would have accrued interest of ₹93,69,412 at the time of maturity. Adding the interest and the principal, you would get ₹1,14,69,412 at the time of maturity.

Advantages of Using Navi NPS Calculator

Here are a few advantages of the Navi NPS Calculator

User-friendly design

Our NPS calculator is easy-to-use and intuitive

Saves time

Calculate and check your NPS returns in seconds

Helps you plan better

Calculate your NPS returns beforehand to plan your retirement corpus smartly

Frequently asked questions

The part of NPS investment that goes into debt investments works similar to a recurring deposit – the principal amount invested is compounded annually to arrive at the value of the total amount (principal amount invested + returns earned over the investment tenure) when you retire, i.e. when you turn 60 years old. The interest earned by the equity component is market-linked and varies with time.
Regardless of whether they work for the government or in the private sector, NPS subscribers must contribute. From the subscription start date until the age of 60, this payment must be made on a monthly basis or on an annual basis. The amount of investment can be a minimum of ₹500 to a maximum of ₹1.5 lakh per year.
A monthly contribution to the NPS can be made by individuals in order to grow a retirement corpus and be able to withdraw regular income after retirement. Subscribers to the National Pension System (NPS) can now alter their asset allocation four times within a fiscal year
The number of contributions that may be made annually has neither maximum nor lower bounds. The frequency and size of contributions are completely under the control of the Subscriber.
Fixed interest rates are not available under the plan. During the life of the plan, NPS subscribers may choose to change their investment selections and fund managers, subject to regulatory constraints. The NPS returns are entirely based on market rates.
You can do this through Point of Presence or online. A financial year allows for one exercise of the option to switch fund managers. The option to modify your preferred scheme can be used twice in one fiscal year.
The entire accumulated pension wealth of the Subscriber (100% NPS Corpus), as defined by PFRDA (Pension Fund Regulatory and Development Authority) Regulations 2015 (Exits & Withdrawals under NPS) & amendments thereto, shall be paid to the Subscriber’s Nominees or Legal heirs, as applicable, in the event of death.

Three funds are waiting for subscribers from NPS. These consist of:

  • The business funds
  • The equities
  • Government-issued securities

There are a few disadvantages of the NPS scheme:

  • Compared to the other alternative investment/pension options, the NPS system offers a unique set of drawbacks.
  • Fewer Benefits than the Older Pension Plans (For Government Employees)
  • Maximum Withdrawals
  • Taxes at the Time of Withdrawal
A subscriber may withdraw a lump sum payment of 40% of the NPS at maturity without paying taxes on it. The maximum lump sum withdrawal is 60%, and anything over 40% would be taxed.
Disclaimer : Navi does not guarantee accuracy, completeness or correct sequence of any of the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness/accuracy. The use of any information set out is entirely at the User’s own risk.


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