NPS Calculator
Estimate your NPS corpus at retirement and the monthly pension it could generate.
NPS requires at least 40% of your corpus to go into an annuity at retirement, which pays you a monthly pension. The remaining 60% can be withdrawn as a lump sum, tax-free.
Pension estimate assumes a 6% annuity rate — actual rates vary by annuity provider and change over time. This is a planning estimate, not a guarantee.
Frequently asked questions
Can freelancers invest in NPS?
Yes — NPS is open to any Indian citizen between 18-70, including freelancers and self-employed individuals, through the 'All Citizens' model.
Is NPS better than PPF for freelancers?
NPS typically offers higher potential returns since it includes equity exposure, but locks a portion into a mandatory annuity at retirement. PPF is fully liquid at maturity with guaranteed but lower returns. Many people use both for different parts of their retirement planning.