🇮🇳 印度国家养老金 NPS 计算器NPS Calculator (National Pension System)
估算印度国家养老金体系（NPS）到 60 岁时的累计金额、可一次性领取的金额，以及用年金部分购买年金后的每月养老金；按 PFRDA 2025 年 12 月新规，非政府部门用户最多可一次领取 80%。Estimate your National Pension System corpus at 60, the lump sum you can take, and the monthly pension from the annuity portion. Under PFRDA's December 2025 rules, non-government subscribers can withdraw up to 80% as a lump sum.
使用说明与常见问题How-to & FAQ
「印度国家养老金 NPS 计算器」是什么？What is the NPS Calculator (National Pension System) tool?
估算印度国家养老金体系（NPS）到 60 岁时的累计金额、可一次性领取的金额，以及用年金部分购买年金后的每月养老金；按 PFRDA 2025 年 12 月新规，非政府部门用户最多可一次领取 80%。Estimate your National Pension System corpus at 60, the lump sum you can take, and the monthly pension from the annuity portion. Under PFRDA's December 2025 rules, non-government subscribers can withdraw up to 80% as a lump sum.
如何使用「印度国家养老金 NPS 计算器」？How do I use the NPS Calculator (National Pension System) tool?
在「印度国家养老金 NPS 计算器」中，填写「每月缴费 ₹」、「当前年龄」、「领取年龄」、「预期年回报率 %」、「用于购买年金的比例 %」等参数，结果会随输入实时计算并显示在下方。In the NPS Calculator (National Pension System): Fill in "Monthly contribution ₹", "Current age", "Exit age", "Expected return %", "Share used for annuity %"; results are recalculated instantly as you type.
NPS 到期能一次领多少？How much can I take as a lump sum?
依据 PFRDA 2025 年 12 月 19 日的新闻稿（相关退出规定于 2025 年 12 月 16 日修订）：非政府部门用户正常退出（满 60 岁或参加满 15 年，以较早者为准）时最多一次领取 80%，至少 20% 购买年金；政府雇员为 60% / 40%。两类用户累计不超过 ₹8 lakh 时都可全额领取；累计在 ₹8–12 lakh 之间时，还可以选择一次领取最多 ₹6 lakh，其余通过至少 6 年的分期赎回（SUR）或年金领取。本工具按你填的年金比例计算，并在适用时提示这些选项。According to PFRDA's press release of 19 Dec 2025 (exit rules amended on 16 Dec 2025), non-government subscribers on normal exit (age 60 or 15 years in the scheme, whichever is earlier) can take up to 80% as a lump sum with at least 20% buying an annuity; for government employees the split is 60% / 40%. For both, a corpus of ₹8 lakh or less can be withdrawn in full, and between ₹8 and ₹12 lakh you may instead take up to ₹6 lakh as a lump sum and receive the rest through systematic unit redemption (SUR) over at least 6 years or an annuity. The tool uses the annuity share you enter and points out these options where they apply.
回报率填多少？What return should I assume?
NPS 是市场挂钩产品，收益不固定，过去的表现也不代表未来；默认的 10% 只是示例值，请参考你所选基金经理和资产配置的历史收益，并留出余量。工具按每月月初缴费、月复利计算，可填范围为 −50% 到 30%。NPS is market-linked, returns are not fixed and past performance does not predict the future; the default 10% is just an example, so look at the history of your chosen fund manager and asset mix and leave a margin. The tool assumes contributions at the start of each month with monthly compounding; the accepted range is −50% to 30%.
每月养老金怎么估算？How is the pension estimated?
每月养老金 ≈ 年金部分 × 年金年利率 ÷ 12。实际金额取决于所选年金公司和年金类型（如是否返还本金）。Monthly pension ≈ annuity portion × annuity rate ÷ 12. The actual amount depends on the annuity provider and plan type (for example, with or without return of purchase price).
计算结果可以作为最终依据吗？Can I rely on the result?
「印度国家养老金 NPS 计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The NPS Calculator (National Pension System) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「印度国家养老金 NPS 计算器」免费吗？需要注册吗？Is the NPS Calculator (National Pension System) free? Do I need an account?
「印度国家养老金 NPS 计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The NPS Calculator (National Pension System) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.