7 Best NPS Calculators Online for 2026
We tested every popular NPS calculator for corpus accuracy, pension estimates, tax benefit info, and the 60-40 annuity split. Here's which ones retirement planners should trust.
The National Pension System (NPS) is one of India's most tax-efficient retirement tools — with up to ₹2 lakh in deductions (80CCD(1) + 80CCD(1B)) and a partially tax-free withdrawal at 60. But NPS is also one of the most confusing to plan for, because your final corpus depends on contribution amount, years of investing, expected returns, and the 60-40 lump sum/annuity split.
We tested 7 NPS calculators with the same inputs — ₹5,000/month from age 25 to 60, 10% expected return, 6% annuity rate — and compared their results. For 35 years of monthly investing, the correct total corpus is approximately ₹1.14 crore, with a tax-free lump sum of ₹68.4 lakh and estimated monthly pension of ₹22,800.
Quick Verdict
- Best overall: ITR Stats — real-time results, 60/40 split, pension estimate, interactive charts, year-by-year table
- Most authoritative: NPS Trust — official calculator from PFRDA, definitive rules
- Best for tax planning: ClearTax — NPS calculator integrated with 80CCD deduction planning
- Best for fund performance: Groww — shows actual NPS fund returns alongside calculator
What We Tested
For each calculator, we checked:
- Formula accuracy — correct monthly compounding over 20-35 year periods
- 60/40 split — shows lump sum (60%, tax-free) and annuity (40%) breakdown
- Pension estimate — estimates monthly pension from annuity portion
- Tax benefit info — mentions 80CCD(1), 80CCD(1B), 80CCD(2) deductions
- Charts and breakdown — visual corpus growth, invested vs returns split
- Age-based inputs — current age + retirement age (not just years)
- Real-time calculation — updates as you type
The 7 Best NPS Calculators
The most comprehensive NPS calculator we found. Enter your monthly contribution, current age, retirement age, expected return rate, and annuity rate — and get real-time results showing total invested, total corpus, 60% tax-free lump sum, 40% annuity value, and estimated monthly pension. Features interactive doughnut chart (corpus breakdown) and stacked bar chart (year-by-year growth), plus a toggleable breakdown table.
Strengths
- Real-time results — no button
- 60/40 lump sum + annuity split
- Monthly pension estimate with annuity rate input
- Interactive doughnut + bar charts
- Year-by-year breakdown table
- Tax benefit sections (80CCD)
- Dark mode, no ads, no login
Limitations
- No asset allocation modelling (E/C/G funds)
- No actual NPS fund performance data
- No employer contribution field
The official NPS calculator from PFRDA (Pension Fund Regulatory and Development Authority). Being the regulatory body's own tool, it uses the definitive rules for NPS corpus calculation. However, the interface is dated, and it doesn't provide the visual breakdowns that third-party tools offer.
Strengths
- Official PFRDA tool — authoritative
- Correct by definition
- Both Tier 1 and Tier 2 support
- Employer contribution field
Limitations
- Dated, clunky interface
- No charts or visual breakdown
- No pension estimate
- No year-by-year growth table
- Slow page load
Groww's NPS calculator uses their standard clean slider UI. It computes total investment, interest earned, and maturity amount. The standout feature is Groww's detailed NPS content — actual fund performance data, pension fund manager comparison, and clear explanations of E/C/G asset classes alongside the calculator.
Strengths
- Actual NPS fund performance data
- Pension fund manager comparison
- E/C/G asset class explanation
- Clean, ad-light interface
- Accurate calculations
Limitations
- No 60/40 split shown
- No pension estimate
- No year-by-year table
- Slider-only input
ClearTax's NPS calculator is integrated into their tax-planning ecosystem. It shows the corpus calculation alongside detailed 80CCD tax benefit calculations — exactly how much tax you save by investing in NPS under each section. Also estimates monthly pension from the annuity portion.
Strengths
- Detailed 80CCD tax benefit breakdown
- Monthly pension estimate
- Integrated with tax filing platform
- Clear tax-saving explanations
Limitations
- No charts or visual breakdown
- No year-by-year growth table
- Heavy page with ads
- Button-click calculation
ET Money's NPS calculator uses a slider UI and shows corpus at retirement along with tax savings. It compares NPS with other retirement options (PPF, mutual funds) and recommends their investment products. Shows the 60/40 split and estimates pension income.
Strengths
- NPS vs PPF/MF comparison
- 60/40 split shown
- Tax savings highlighted
- Pension estimate included
Limitations
- Pushes premium app features
- No year-by-year breakdown
- No interactive charts
- Marketing-heavy page
Angel One provides a functional NPS calculator as part of their investment platform. Shows monthly contribution, expected return, and years to retirement. Provides total invested, corpus, and basic tax information. Standard quality but nothing exceptional.
Strengths
- Accurate corpus calculation
- Basic tax benefit info
- No login required
Limitations
- No 60/40 split
- No pension estimate
- No charts or tables
- Platform marketing heavy
Scripbox offers a clean NPS calculator with their signature minimalist design. Shows corpus and estimated pension. The surrounding content compares NPS with Scripbox's own retirement planning products, clearly designed to position their mutual fund portfolios as alternatives.
Strengths
- Clean, minimal design
- Pension estimate included
- Retirement planning content
Limitations
- No 60/40 split details
- No charts or breakdown table
- Pushes Scripbox products
- Limited NPS-specific features
Quick Comparison Table
| Feature | ITR Stats | NPS Trust | Groww | ClearTax | ET Money |
|---|---|---|---|---|---|
| Correct Formula | Yes | Yes | Yes | Yes | Yes |
| 60/40 Split Shown | Yes | No | No | Yes | Yes |
| Pension Estimate | Yes | No | No | Yes | Yes |
| Real-Time (No Button) | Yes | No | Slider | No | Slider |
| Charts | Both | No | No | No | No |
| Year-by-Year Table | Yes | No | No | No | No |
| Tax Benefit Info | Yes | Yes | Yes | Detailed | Yes |
| Fund Performance | No | No | Yes | No | No |
| Employer Contribution | No | Yes | No | No | No |
| Dark Mode | Yes | No | No | No | No |
Our Recommendation
For the most complete NPS planning tool — corpus calculation, 60/40 split, monthly pension estimate, interactive charts, and year-by-year growth — ITR Stats is the best option. No login, no ads, and it gives you the full retirement picture in one screen.
If you want the official, authoritative answer — use the NPS Trust calculator as a cross-check. It's from PFRDA itself, so the rules are guaranteed correct.
If you're choosing between NPS fund managers — Groww has the best fund performance data alongside their calculator. If your focus is maximising tax deductions — ClearTax breaks down 80CCD savings better than anyone.
Try Our NPS Calculator
60/40 split, monthly pension estimate, interactive charts, year-by-year growth. Real-time results. No login. No ads.
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