Can I model employer contributions?

Yes, set employer contribution as a percentage of employee contribution. This calculator models employer contributions similarly to employee contributions.

How does asset allocation affect returns?

You can set expected returns for equity and debt; the calculator uses allocation percentages to compute a blended return applied to the corpus.

NPS Calculator (India) – Net Pension Corpus Estimate | HeroZero Finance Calculators (India)

Inputs

Set contribution cadence, amounts, ages and asset allocation. Sliders + numeric inputs for quick tuning.

Contribution cadence

Employee monthly contribution (₹)

₹

Monthly employee contribution.

Employer contribution (% of employee)

Set employer match as percent of employee contribution.

Current age

Retirement age

Years to invest = retirement age − current age (min 1 year).

Equity allocation (%)

Choose equity vs debt split for your NPS allocation.

Expected equity return (% p.a.)

Expected debt return (% p.a.)

Tax note

NPS offers tax benefits under Indian law (80CCD). This calculator shows corpus estimates only; consult tax rules for exact exemptions.

Allocation

Set expected returns for equity and debt to reflect your risk assumptions; blended return is used for projection.

FAQ

Withdrawals?: NPS withdrawals are subject to scheme rules and partial withdrawals after specific years; not modelled here.
Annuity?: Post-retirement annuity options are outside scope; this calculator shows corpus at retirement.

Estimated Corpus

₹0

Projected retirement corpus based on inputs and blended returns; annuity and taxes not modelled.

Total employee contributions

₹0

Total employer contributions

₹0