Retirement · NPS

NPS Calculator

National Pension System — model your retirement corpus, lump sum, and monthly pension. Includes 80CCD(1B) additional tax deduction of ₹50,000.

Current age30 yrs

1855

Monthly contribution (self)₹10.0K

₹500₹1L

Monthly employer contribution₹0

₹0₹1L

Expected return10% p.a.

6%14%

Annuity purchase %40%

40%100%

Annuity rate6% p.a.

4%9%

Note: NPS retirement age is 60. Minimum 40% of corpus must be used to purchase an annuity. Up to 60% can be withdrawn tax-free as lump sum. Annuity income is taxable.

Total NPS Corpus at 60

₹2.28 Cr

after 30 years

Tax-free lump sum ({100 - annuityPct}%)

₹1.37 Cr

Annuity corpus ({annuityPct}%)

₹91.17 L

Monthly pension (est.)

₹45,587

Total invested

₹36.00 L

Extra tax saving (80CCD 1B)

₹50,000/yr

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