NPS Calculator Online

Enter age, monthly contribution, current corpus, expected return, contribution step-up, and annuity mix. See estimated corpus, lump sum, pension, and a year-by-year table — planning estimates based on PFRDA NPS rules.

Private & secure
Fast in-browser
No signup

Based on PFRDA NPS guidelines — FY 2026–27, 80CCD tax benefits

How to use NPS Calculator Online

Open the tool. Go to NPS Calculator on Utilvia. It runs instantly in your browser.
Enter your values. Fill in the fields. Results update as you type — no signup required.
Review the output. Check totals, breakdowns, or formatted text before you copy or save.
Copy or export. Copy the result or download a file. Your inputs stay on this device.

Key features & privacy

NPS Calculator Online is built for in-browser use on Utilvia. Work stays on this device whenever the tool runs locally — there is no account wall and no file inbox on our servers.

Runs in modern browsers with JavaScript and HTML5.
No signup required to get a result.
Zero-upload policy on local-first tools — close the tab and the working copy is gone.
Shareable, indexable URL so you can return to the same utility later.

Frequently asked questions

What is the minimum monthly contribution to NPS?

NPS Tier I typically needs at least ₹500 per contribution and ₹1,000 in a financial year. This calculator defaults to ₹5,000 a month.

Can I withdraw the full NPS corpus at retirement?

At age 60 or later, at least 40% usually goes to an annuity and up to 60% can be withdrawn as a lump sum. If the corpus is ₹5 lakh or less, a 100% lump-sum exit is allowed. Before 60, the annuity share is typically 80% unless the corpus is very small.

Is NPS better than PPF?

They serve different jobs. PPF is a 15-year EEE small-savings scheme with a government-set rate. NPS is market-linked, can run to retirement, and pays a pension from the annuity. Many people use both. This calculator does not compare products.

Is NPS available under the new tax regime?

Your own NPS contribution is not deductible under the new regime. Employer NPS under 80CCD(2) still is. Under the old regime, 80CCD(1) (within the ₹1.5 lakh 80C cap) and extra 80CCD(1B) up to ₹50,000 can apply. Tax figures here are an old-regime illustration at a 30% slab.

Is this calculator free?

Yes. It runs in your browser with no signup. Amounts stay on your device.