📈 Pension Planning Tool
NPS Calculator
National Pension Scheme – Corpus & Pension
Estimate your retirement corpus, lump sum withdrawal (40% tax-free), monthly pension from annuity (60% corpus), and tax benefits under Section 80CCD(1) & 80CCD(1B).
nps calculator
national pension scheme
nps pension calculator
80CCD tax benefit
Calculator
Monthly Contribution (₹) ₹5,000
Current Age (Years) 30
Retirement Age (Years) 60
Expected Return (% p.a.) 10%
Annuity Return (% p.a.) 8%
Income Tax Slab (for benefit) 20%
Total Corpus at Retirement
₹0
including returns
Lumpsum Withdrawal (40%)
₹0
tax-free
Monthly Pension
₹0
from annuity
Annual Tax Saved
₹0
under 80CCD(1) & (1B)
📋 NPS Maturity & Pension Breakdown
| Enter details and click Calculate |
📌 Understanding NPS Rules
- At retirement (age 60), you can withdraw 40% of corpus tax-free (lumpsum).
- Remaining 60% must be used to purchase an annuity that provides regular pension.
- Annuity returns are taxed as per your slab at the time of receipt.
- Under Section 80CCD(1): Employee's own contribution up to 10% of salary (Basic+DA) – max ₹1.5L overall 80C.
- Under Section 80CCD(1B): Additional deduction up to ₹50,000 for NPS (over and above 80C).
- Employer's contribution up to 14% of salary is also tax-free (not considered here).