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Calculate NPS corpus and estimated monthly pension at retirement
Estimated NPS Corpus
Estimated Monthly Pension (40% annuity)
Years to Retirement
NPS (National Pension System) is India's modern retirement solution designed to replace the old civil service pension system and now open to all citizens. Unlike pensions (defined benefit), NPS is defined contribution—your final corpus depends on contributions, investment performance, and tenure. You contribute a percentage of salary (employee 10% + employer 10% typical), invest in equity/debt/money market funds per your choice, and at retirement (58-70 years), withdraw 60% as lumpsum and buy annuity with remaining 40%. In today's terms: ₹2-3 crore corpus by retirement is achievable for consistent 20+ year investors. The power of NPS: tax savings (₹1.5L deduction under 80C + additional ₹50K under 80CCD(1B) = ₹2L annually!), employer contribution (extra 20% to corpus), flexibility in fund choice, and relatively low expense ratios (0.01-0.35%). NPS is ideal for self-employed individuals (no employer contribution), freelancers, and anyone wanting tax-efficient retirement corpus. Especially powerful for young professionals starting at 25.
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.