💰 NPS Vatsalya Calculator 💰
Plan your child’s retirement up to age 60 with the National Pension System Vatsalya scheme
NPS Vatsalya Projection Results
📈 Understanding NPS Vatsalya Scheme Until Age 60
The NPS Vatsalya is a long-term pension scheme that allows you to invest for your child’s retirement up to age 60. The account automatically converts to a regular NPS account when the child turns 18, continuing to grow until retirement.
Key Features of NPS Vatsalya Until 60
Long-Term Growth
Investments can grow for up to 55 years (if started at age 5), benefiting from compounding
Retirement Corpus
Builds a substantial retirement fund for your child’s future financial security
Tax Efficiency
EEE (Exempt-Exempt-Exempt) tax status for maximum growth potential
Automatic Conversion
Converts to regular NPS at 18, continues growing until withdrawal at 60
💰 How the Calculations Work
Our calculator projects your investment growth in two phases:
- Vatsalya Phase (Until 18): Contributions under NPS Vatsalya scheme with tax benefits
- Regular NPS Phase (18-60): Account converts to regular NPS, continues growing without additional contributions
📅 Investment Period Examples
- Child age 5: 55 year investment period (5-60 years)
- Child age 10: 50 year investment period (10-60 years)
- Child age 15: 45 year investment period (15-60 years)
- Child age 18: 42 year investment period (18-60 years)
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❓ Frequently Asked Questions
What happens after my child turns 18?
The account converts to a regular NPS account in the child’s name. The corpus continues growing until withdrawal at age 60.
Can my child contribute after 18?
Yes, once converted to regular NPS, your child can continue making contributions until age 60.
What’s the withdrawal process at 60?
At 60, your child can withdraw 60% tax-free and must use 40% to purchase an annuity for regular pension income.
Is there a minimum investment period?
Yes, the minimum period is 5 years under NPS Vatsalya rules.
How is the monthly pension calculated?
We estimate 40% of maturity value used to buy annuity at ~6% return, providing monthly pension payments.
For official NPS Vatsalya information, visit NPS Vatsalya or the NPS Trust website.