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NPS Calculator: Rs 50,000 per year investment can return Rs 50,000/month pension, Rs 18 lakh cash in 35 yrs

NPS Calculator (National Pension System investment calculation 2021): Wondering how much pension you may get by investing in the National Pension System (NPS)? This article explains with what you may get by starting to invest Rs 50,000 per year (or Rs 4166 per month) at the age of 25, 30, 35 and 40 years respectively.


Before we move further towards the calculations, you should know a few important points about NPS:

  • NPS is a government-backed pension scheme in which you can invest every month to accumulate a corpus for pension purpose on retirement.
  • To make the most of NPS one should start investing as early as possible.
  • The final returns from NPS is not guaranteed. However, you may get higher returns than expected as a portion of the NPS money is invested by fund managers in equities, which over a period of time can offer much higher returns than traditional saving options like PPF, Fixed Deposit etc.
  • You can claim additional deduction up to Rs 50,000 while filing the Income Tax Return.
  • NPS subscribers can change their fund managers.
  • If you are planning to become a NPS subscriber, it will be important for you to track the performances of fund managers and various NPS schemes on a regular basis. All these numbers are provided and updated on the NPS Trust website.
  • The actual returns from NPS may higher or lower from the expected returns. In this article, we have assumed 8% return and used the online NPS calculator provided by the HDFC Bank.
  • NPS is regulated by PFRDA.

NPS Calculator: Returns on investing Rs 50,000/year from age 25

Assuming 8 per cent returns, the HDFC Bank NPS calculator shows that you can get a pension fo Rs 50,646 per month post retirement and also be able to withdraw lumpsum amount Rs 18.9 lakh.


NPS Calculator: Returns on investing Rs 50,000/year from age 30

Assuming 8 per cent returns, the HDFC Bank NPS calculator shows that you can get a pension fo Rs 32,979 per month post retirement and also be able to withdraw lumpsum amount Rs 12.3 lakh.

NPS Calculator: Returns on investing Rs 50,000/year from age 35

Assuming 8 per cent returns, the HDFC Bank NPS calculator shows that you can get a pension fo Rs 21,089 per month post retirement and also be able to withdraw lumpsum amount Rs 7.9 lakh.

NPS Calculator: Returns on investing Rs 50,000/year from age 40

Assuming 8 per cent returns, the HDFC Bank NPS calculator shows that you can get a pension fo Rs 13,088 per month post retirement and also be able to withdraw lumpsum amount Rs 4.9 lakh.


During the entire investment journey, you will also be able to make a tax saving of Rs 2.99 lakh.

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