Inputs and options
The NPS Calculator is an input-based calculator — you type values directly in your browser. Nothing is uploaded.
Inputs
| Input | What to enter |
|---|---|
| Monthly basic + D.A. | The basic salary on which the 10% NPS contribution is calculated |
| Contribution percentage | Your and your employer's contribution rate, defaulting to the standard 10%+10% |
| Expected return | The assumed annual return based on your equity and debt allocation |
| Retirement age | The age at which you will start drawing the pension |
Options
- Asset allocation — adjust the equity and debt mix to change the assumed return
- 80CCD(1B) view — see the extra deduction of up to 50,000 beyond the 80C limit
- Annuity estimate — shows the mandatory portion of the corpus used for the annuity purchase
Getting the best results
- Enter basic salary plus D.A., not total CTC, because NPS contributions are calculated on that figure
- Use a realistic return for your allocation — a balanced NPS portfolio commonly assumes around 9-10%
- Review the annuity estimate: remember a chunk of the corpus must fund a mandatory annuity, so the actual lump sum you receive is less than the full corpus
Verdict
The NPS Calculator takes your contribution, return, and retirement age, then returns a clear pension corpus with the 10%+10% split, the 80CCD(1B) benefit, and an annuity estimate.