Investment needs are unique to each and every Individual. No single financial plan would be suitable to everyone. It is necessary, that awareness is created. Such awareness ,created and understood , is the Individual’s responsibility, who undertake decisions and apply the same to their situations. This website or any Individual or entity related with this website , would not take or assume any liability towards the decisions undertaken by such individuals. Individuals are encouraged to make inquiries, validate such information, from available resources on both online and offline content , before undertaking any financial decisions.       This website does not charge any fees for such services rendered. Information sought and sharing of such information is permissions based . The website focuses only on the NPS All Citizen model and the Corporate model only as more awareness needs to be created on this models. Government model and the erstwhile NPS swavalamban model (Now Atal Pension Yojana ) are already being undertaken by the Government agencies through their own network and marketing channels.









Retirement Calculator

Please

Click Here

to view the step by step guide of using our Retirement Calculator

STAGE A: Retirement Amount Creation Stage

Enter the Details Here

1. Current Age
2. Retirement Age
3. Work Life Period ((1-2)*12)

A. Basic & DA
B. Other Allowances
C. Monthly Salary (A+B)
D. Expenditure
E. Net Savings before NPS allocation (C-D)
F. NPS Contribution from Employer U/S Section 80CCD2. Restricted to 10% (Basic + DA) FY 2015-16
G.Section 80 CCD (1B)
H. Other Remaining Savings (E-F-G)


NPS asset Allocation Ratio Cannot Exceed 100%
Equities

0-50%

% =

Corporate Debt

0-100%

% =

Government Secutiries or G secs 0-100% (100-(E+C))

% =

NPS Investment per Month

Total 100%


Assumed Rates of Growth - Equity (E)

0-100%

%

Assumed Rates of Growth - Corporate Debt (C)

0-100%

%

Assumed Rates of Growth - G- secs (G)

0-100%

%

Weighted Average Rate of the growth of three asset classes

0-100%

%


Approximate Corpus at the age of 60 years with above weighted average rate using the Annuity function. There may be differences due to Rounding off factor.

STAGE B: Retirement & Annuity Calculation

1. The withdrawal can happen from 0% upto 60% list of values

%

2. Maximum amount that can be withdrawn
3. Rate of taxation applicable in your case
4. Net amount after taxation
5. Amount allocated for Annuity
6. Annuity rates input LOV from 3% to 8% per annum

7. Available Pension yearly basis
8. Available Pension monthly basis
9. Amount left after annuity and tax
10. Other Remaining Savings grown @ total wealth

***This figure (H)is carried from STAGE A table

(H+9) 


Total Remaining wealth at 60 years after annuitisation

Impact of Inflation with respect to Expenditure

Current Expenditure Carried Below
Assumed Rate of Inflation at the time of retirement
Expenditure value at Retirement times
Monthly Pension
Gap in pension to be funded out of the wealth from other remaining savings & annuity.


(*)The above calculation is for illustration purpose only. There is no guarantee that the fund manager would be able to generate matching returns. Past performance is no indicator of future returns