NPS Calculator for NRI/PIO/OCI/Expat 2024

The NPS calculator assists NRIs/PIOs/OCIs/Expats in determining the pension, lump sum, or annuity amount they will receive as subscribers of the scheme upon retirement. This tool provides valuable insight into the required monthly contributions you need to make to accumulate a substantial corpus for retirement.

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What is the National Pension Scheme and Why Should NRIs/PIOs/OCIs/Expat Invest in it?

The National Pension Scheme (NPS) is a government-backed retirement plan that caters to the needs of individuals, including Non-Resident Indians (NRIs), Persons of Indian Origin (PIOs), Overseas Citizens of India (OCIs), and Expatriates living abroad. It is designed to enable individuals to accumulate a retirement corpus through systematic contributions during their working years.

India is a rapidly growing economy, which offers a variety of investment opportunities. NRIs/PIOs/OCIs/Expats can greatly benefit from the NPS due to its flexibility, tax benefits, and potential for substantial returns in the long run. By participating in this scheme, NRIs/PIOs/OCIs/Expats can secure their financial future while also contributing to the economic development of India.

NPS Calculator

Your Age

18 Years 59 Years
Enter Your Age

Monthly Investment

₹500 ₹10L
Enter Investment Per Month

Expected Return on Investment

5% 15%
Expected Return on Investment

Percentage of Corpus Allocated for Pension

40% 100%
Enter Corpus Percentage

Expected Return from Pension

5% 15%
Enter Annuity Return
₹0
Your Monthly Pension
₹0
Your Monthly Pension
Your Pension Calculation
Your Pension Calculation
Total Investment
Returns Earned
Maturity Amount
Maturity Amount split (Lumpsum & Pension)
60%
Lumpsum Amount
At the age of 60 Yrs
40%
Pension Wealth
At the age of 60 Yrs

What is an NPS Calculator?

The NPS calculator assists NRIs/PIOs/OCIs/Expats in calculating the pension, lump sum or annuity amount they will receive as subscribers of the scheme upon retirement. This provides valuable insights into the necessary monthly contributions to accumulate a substantial corpus for retirement.

As the significance of retirement planning becomes more apparent, the National Pension Scheme calculator gains traction among NRIs/PIOs/OCIs/Expats. By aiding in the assessment of required contributions, the calculator streamlines retirement planning. 

Read Here: Pros and Cons of NPS

What are the Features of the NPS Calculator?

Here are some of the salient features of the National Pension Scheme (NPS) Calculator for NRIs/PIOs/OCIs/Expats:

  • You can use the NPS calculator online in a very easy way, whether you are an NRI, PIO, OCI, or an expatriate.

  • It helps you calculate the amount of pension you will receive, catering to the specific needs and circumstances.

  • The NPS Calculator also provides insights into the total investment amount, the returns earned on your investment, and the amount you will receive at the time of maturity, taking into account the unique financial considerations of NRIs/PIOs/OCIs/Expats.

  • The NPS calculator streamlines the computation of the maturity amount, ensuring it aligns with the regulations and requirements applicable to NRIs/PIOs/OCIs/Expats.

**Note: The investors of National Pension Scheme can check the tax exemptions available under Section 80C

What are the Benefits of the NPS Calculator?

NPS BenefitsNPS Benefits

Following are the benefits of the best National Pension Scheme (NPS) calculator for NRIs/PIOs/OCIs/Expats:

  • It saves time, as you do not need to do any manual calculations.

  • You can have a clear knowledge of how much investment you need to make to achieve the desired pension amount.

  • Moreover, it also helps you to do financial planning more efficiently.

  • With the help of a one-stop NPS calculator, NRIs/PIOs/OCIs/Expats can know the estimated amount they will receive as a pension after retirement.

Check Here: SBI Annuity Deposit Scheme Calculator

How to Use Policybazaar’s NPS Calculator?

To use Policybazaar's National Pension Scheme Calculator NRIs/PIOs/OCIs/Expats, follow these steps:

Step 1: Select your current age in years.

Step 2: Specify the amount you plan to invest in the National Pension Scheme every month

Step 3: Provide the anticipated rate of return on your investments

Step 4: Decide the percentage of the accumulated corpus that you want to allocate for receiving a pension in the future

Step 5: Enter the expected rate of return for the pension phase

Step 6: Click on the "View Plans" button to compare the curated pension plans and funds, keeping in mind the offerings tailored for NRIs/PIOs/OCIs/Expats.

**Note: After filling in these required fields, the calculator will process the information and provide you with an estimate of your potential pension amount based on your input.

Invest More Get More
Invest ₹10K/Month YOU GET ₹1.5 LAKHS* MONTHLY PENSION View Plans
Invest ₹7K/Month YOU GET ₹1 LAKHS* MONTHLY PENSION View Plans
Invest ₹5K/Month YOU GET ₹75 THOUSAND* MONTHLY PENSION View Plans
standard T&C Apply *

What is the Formula for Calculating the NPS Pension Amount? 

The best National Pension Scheme Calculator uses compounding interest to compute returns. Let us take a look at the formula for calculating NPS pension.

A = P (1 + r/n) ^ nt

In this equation, the maturity amount is denoted as A. The other variables are as follows.

P Principal Sum
R Interest rate per annum
N/n Number of times interest compounds
T/t Total tenure

Let us understand the NPS calculation with the help of an example: 

Simran, a 36-year-old NRI, invests Rs. 10,000 monthly in the National Pension Scheme with a projected 9% interest. Anticipating retirement at 60, she allocates 40% of her corpus for pension, with an expected rate of return of 7%.

The status of Simran’s Pension account at the time of retirement, as generated by the NPS calculator, will be as follows:

Total Investment- ₹28.8 Lacs

Maturity Amount- ₹1.02 Cr

Lumpsum Amount at the age of 60 Years- ₹61.3 Lacs

Pension Wealth at the age of 60 Years- ₹40.8 Lacs

Monthly Pension-  ₹23,827

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Key Takeaways

The NPS calculator is a useful tool that helps NRIs/PIOs/OCIs/Expats plan for their retirement. By providing them with an estimate of the pension, this tool allows them to make informed decisions about their future and take the necessary steps to secure a comfortable retirement.

Check out: How to Plan Retirement Income in India? 

FAQ's

  • Who can use the NPS Calculator?

    Anyone who wants to invest in the NPS, including NRIs/PIOs/OCIs/Expats, can use this calculator. As per the National Pension Scheme rules, all Indian citizens as well as NRIs/PIOs/OCIs/Expats between the age group of 18-60 years are eligible to invest in the scheme.
  • Can NRIs/PIOs/OCIs/Expats invest in the NPS?

    Yes, NRIs, PIOs, OCIs, and Expats are eligible to invest in the NPS. The government has extended this investment opportunity to include these categories of individuals, making it accessible to a wider range of investors.
  • Where can NRIs/PIOs/OCIs/Expats get more information on NPS and the NPS Calculator?

    For more detailed information and assistance regarding NPS and the NPS Calculator, NRIs/PIOs/OCIs/Expats can visit the Policybazaar website and find the same or consult with certified financial advisors.
  • How can I get 50,000 pension per month in NPS?

    For NRIs/PIOs/OCIs/Expats, achieving a monthly pension of 50,000 INR in the NPS involves consistent contributions, smart investment choices, and an understanding of the tax implications that may apply specifically to your status. By following these steps, you can work towards building a substantial corpus that can yield the desired pension amount upon retirement.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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Get Pension ₹2,00,000/month+
Including Life Cover
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