Free NPS vs Mutual Fund Calculator API (2026)
API for the old regime only, where 80CCD(1B) exists: the tax saved can be reinvested, part of the NPS corpus must buy an annuity, and the mutual fund pays LTCG at exit.
Interactive API Playground & Live Test
/api/v1/nps-vs-mutual-fundQuery Parameters
Age now, 18 to 59 (default: 30)
Retirement age (default: 60)
Monthly amount in ₹, 500 to 1,00,00,000 (default: 10,000)
Expected NPS return % a year (default: 10)
Expected mutual fund return % a year (default: 12)
Taxable income besides this, in ₹, taxed under the old regime. Default ₹15 lakh, as on the page
Legacy: a flat marginal rate %, used only when otherIncome is not sent
Set "false" to spend the 80CCD(1B) tax saved instead of investing it (default: true)
Share of the NPS corpus used to buy an annuity % (default: 20; the exit rules set the minimum)
Annuity rate % a year (default: 6)
curl -X GET "https://fincalculator.in/api/v1/nps-vs-mutual-fund?currentAge=30&retirementAge=60&monthlyInvestment=10000&npsExpectedReturnRate=10&mfExpectedReturnRate=12&otherIncome=1500000&reinvestTaxSavings=true&annuitySharePercent=20&annuityReturnRate=6" \
-H "Accept: application/json"Click "Execute Live API Request" below...Request Parameters Schema
| Parameter | Type | Required | Description / Notes |
|---|---|---|---|
| currentAge | number | Optional | Age now, 18 to 59 (default: 30) |
| retirementAge | number | Optional | Retirement age (default: 60) |
| monthlyInvestment | number | Optional | Monthly amount in ₹, 500 to 1,00,00,000 (default: 10,000) |
| npsExpectedReturnRate | number | Optional | Expected NPS return % a year (default: 10) |
| mfExpectedReturnRate | number | Optional | Expected mutual fund return % a year (default: 12) |
| otherIncome | number | Optional | Taxable income besides this, in ₹, taxed under the old regime. Default ₹15 lakh, as on the page |
| taxBracketPercent | number | Optional | Legacy: a flat marginal rate %, used only when otherIncome is not sent |
| reinvestTaxSavings | boolean | Optional | Set "false" to spend the 80CCD(1B) tax saved instead of investing it (default: true) |
| annuitySharePercent | number | Optional | Share of the NPS corpus used to buy an annuity % (default: 20; the exit rules set the minimum) |
| annuityReturnRate | number | Optional | Annuity rate % a year (default: 6) |