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Email Us: NPS Calculator - Plan Your Retirement
Estimate your National Pension System (NPS) corpus and annuity for a secure retirement. Our calculator helps Karur residents plan their financial future with ease.
Total Contribution: ₹18,00,000
Corpus at Retirement: ₹18,27,194.76
Lump Sum (60%): ₹10,96,316.85
Annuity Amount (40%): ₹7,30,877.9
Monthly Pension: ₹3,654.39
Personalized Tips for You
- Starting at age 30 is excellent. Early investments maximize growth.
- Your ₹5,000 monthly contribution is strong. Maintain consistency.
- Your 10% expected return is realistic. Consider equity-heavy allocation.
Pro Tips for Your NPS
- Opt for higher equity allocation for better long-term returns.
- Automate contributions to ensure disciplined investing.
Get Expert Retirement Advice
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What’s NPS?
The National Pension System (NPS) is a voluntary retirement savings scheme designed to enable systematic savings for a secure retirement. This calculator estimates your NPS corpus and annuity based on contributions, returns, and annuity rates, helping Karur residents plan effectively.
How to Use
1. Enter your current age and desired retirement age.
2. Specify your monthly contribution amount.
3. Input the expected annual return rate.
4. Set the annuity rate and percentage of corpus for annuity purchase.
5. Click "Calculate NPS" to see your corpus and annuity estimates.
6. Fill the lead form to connect with us via WhatsApp or phone for expert guidance.
How It Works
The calculator computes the future value of monthly contributions using compound interest, then allocates a portion for annuity purchase to estimate monthly pension. It also generates a yearly schedule and compares returns at different rates to aid decision-making.
Top 20 FAQs
What is NPS?
NPS is a government-backed pension scheme for retirement savings.
Who can invest in NPS?
Indian citizens aged 18–65, including salaried and self-employed individuals.
What are NPS benefits?
Tax benefits, flexibility, and a secure retirement corpus.
NPS vs. PPF?
NPS offers higher returns but market risk; PPF is safer with fixed returns.
What is the minimum contribution?
₹1,000 per year for Tier I accounts.
Is NPS safe?
Regulated by PFRDA, it’s secure but subject to market risks.
Can I change contribution amounts?
Yes, contributions can be varied as per your financial capacity.
How accurate is this calculator?
It provides estimates; actual returns depend on market performance.
Are NPS returns taxable?
60% of the corpus is tax-free; annuity income is taxable.
What is a good return rate?
8–12% is typical, depending on asset allocation.
How does tenure affect returns?
Longer tenures increase corpus due to compounding.
Can I withdraw early?
Partial withdrawals are allowed after 3 years under conditions.
NPS vs. mutual funds?
NPS is pension-focused with lower risk; mutual funds offer higher returns with higher risk.
What is annuity purchase?
A portion of the corpus buys an annuity for regular pension payments.
Are there risks in NPS?
Market-linked returns carry some risk, mitigated by diversification.
How is corpus calculated?
Using compound interest on monthly contributions over the investment period.
Can I extend NPS beyond 60?
Yes, up to age 70, with continued contributions.
Is NPS suitable for seniors?
Yes, for those under 65 seeking pension benefits.
What if markets crash?
Long-term investments typically recover; diversify to reduce risk.
How to maximize NPS returns?
Increase contributions, choose equity-heavy allocation, and invest longer.
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