National Pension Scheme (NPS) is a verified investment & wealth calculation tool on Calcify. Estimate retirement pension corpus, tax-free 60% lumpsum withdrawal, and monthly annuity pension. All calculations execute locally in your browser with multi-currency support, visual breakdowns, and white-label client exports.
Plus ₹1,36,75,952 tax-free lumpsum at age 60
Total Corpus = SIP_FV(monthly, roi, years); Lumpsum = (1 - annuityPct) × Corpus; Monthly Pension = (Corpus × annuityPct × annuityRate) / 12
Example Inputs: Monthly NPS Contribution: ₹10000 · Current Age: 30 Years · Retirement Age: 60 Years · Expected Return During Accumulation: 10 % · Corpus Allocated to Annuity (Min 40%): 40 % · Expected Annuity Pension Rate: 6.5 %
Example Output: Estimated Monthly Pension: ₹49,385 / mo (Plus ₹1,36,75,952 tax-free lumpsum at age 60)
The National Pension Scheme (NPS) on Calcify applies the verified mathematical formula: Total Corpus = SIP_FV(monthly, roi, years); Lumpsum = (1 - annuityPct) × Corpus; Monthly Pension = (Corpus × annuityPct × annuityRate) / 12. Every input is validated in real time with multi-currency formatting to ensure zero rounding or division errors.
Minimum 40% of NPS maturity corpus is utilized to purchase a retirement annuity at age 60.
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