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NPS Calculator: Secure Your Future After Retirement:The central government has rolled out a fantastic opportunity to give retirees a stronger safety net. If you’re considering a financial boost for your own retirement or that of your family, the NPS (National Pension System) scheme could be your best bet. This plan is designed to be simple, affordable, and truly effective. With smart investments, you can turn retirement worries into comfort.
anybody between the ages of 18 and 70 can open an account, and that includes Non-Resident Indians (NRIs) too.

Most folks plan to retire at 60, and the NPS suits that perfectly. Yet here’s a little “plus” nugget: think about keeping the account going for 5 more years. If you do, you’re not just getting a pension; you’re boosting both the money coming in each month and the overall retirement savings you can tap later. Think of it as giving your savings the extra time they need to grow.

NPS Calculation for 30-Year Retirement Planning

Let’s see how the NPS (National Pension System) grows when you start investing at age 30 for 30 years. You start by contributing ₹5,000 each month. Every year, you increase the monthly amount by 10%. You expect the money to grow at an annual average return of 10%. Over those 30 years, you’ll pay a total of ₹3 crore into the account.

Once you hit the 30-year mark, you turn 60. You then invest 50% of your NPS total into an annuity plan. You expect the annuity to pay 8% interest. If your pension pot is ₹1.5 crore at that time, you’ll get a monthly pension of around ₹1 lakh.

NPS Calculator: 35-Year Projection

Let’s say you start your NPS journey at 30 and invest ₹5,000 every month. Each year, you bump up your monthly contribution by 10%. If you keep this up for 35 years, the total amount you pour in will be ₹98,69,641. Your NPS corpus, thanks to market compounding, grows to approximately ₹5.66 crore.

Now, assume you decide to convert 50% into an annuity, with an estimated rate of 8%. That gives you ₹2.83 crore in pension wealth. You take the remaining amount as a partial withdrawal, which is also ₹2.83 crore. The remaining corpus continues to accumulate interest.

Your monthly pension will then be ₹1,89,000, providing a steady income for your retirement years.

Find out how much extra you’ll really get

When you plug in another five years on the NPS calculator, you see your monthly pension jump from ₹1 lakh to ₹1.89 lakh. The full retirement fund grows from ₹1.5 crore to ₹2.83 crore—that’s an overall rise of about 88% for both the monthly payout and the lump-sum amount you’ll get. Plus, the NPS has a built-in tax break. You can claim the amount you invest under three sections of the 1961 Income Tax Act. Just a heads-up: because some of your money is in equity, the returns can swing, and are not promised.

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