NPS Vatsalya Calculator

What is the NPS Vatsalya Calculator?

NPS Vatsalya Calculator is an online tool that helps parents know how much the NPS Vatsalya Scheme will pay out for two important milestones of your child: the corpus at 18 for higher education and the retirement corpus at 60. This tool follows official National Pension Scheme (NPS) rules, so projections match real growth potential.

Benefits of Using NPS Vatsalya Scheme Calculator

Some of the important features of the NPS Vatsalya Scheme Calculator include: 

• It shows how NPS Vatsalya contributions grow from age 0 to 18 and beyond because of the power of compounding.
• You can change how much amount you contribute and how quickly it grows as your income changes.
• Considers government regulations on NPS withdrawals, partial exits, and switching to regular NPS account upon adulthood.
• Estimates how different rates of return (typically 8%-11% per year) will affect your financial planning for your child.

How Does the Child NPS Calculator Work?

The NPS Vatsalya calculator uses the principle of compound interest on your inputs of expected growth rate, contribution frequency, and investment duration to estimate how much money your child’s NPS account may grow into over time. It is based on the following formula:

How Can You Use an NPS Vatsalya Calculator Online?

To use the NPS Vatsalya Calculator, you must provide the following information:

• The child's birth date or current age (to find out how long you stay invented till your child becomes 18 or 60)
• The amount you give each month or year (start with a small amount, say ₹1,000).
• Expected yearly return based on the history of the NPS.
• Age of retirement (60 by default).
• Once you enter this information, the calculator will display the following details:
  • Total amount of money invested
  • Estimated corpus when your child turns 18
  • Projected NPS maturity corpus at retirement (age 60 default, can be adjusted)
  • Annuity purchase amount (40% default) and lump sum withdrawal (60% default) out of the total maturity corpus.

Investment

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₹10,000/Month

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₹1 Crore^*

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Example of NPS Vatsalya Calculator

If you start investing ₹1,000 per month in NPS Vatsalya Scheme as soon as your child is born, the estimated corpus using the NPS Vatsalya calculator is as follows-

The output from the calculator reveals that:

• Getting started early makes it easier to avoid having to put in a lot of money later.
• When you spend a long time, compounding does most of the work for you.
• Even a small amount of money each month can add up to a lot of value over time.

Advantages of NPS Vatsalya Scheme

Here are some of the key benefits of NPS Vatsalya Scheme Calculator: 

• Helps you plan for your child's school costs, marriage, and retirement with discipline.
• Shows how compounding can help you build a lot of wealth over time by making small contributions each year (for example, ₹10,000 a year can rise to almost ₹1 crore by age 60).
• Helps you compare with various kid plans and long-term investing choices.