🧓 NPS Calculator — Corpus & Monthly Pension (Free, India)

Your NPS contributions → retirement corpus → monthly pension. Projected live.

Monthly contribution (₹) — 5,000 Expected return (% p.a.) — 10 Current age — 30 Retirement age — 60 Annuity purchase (%)

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Invested

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Corpus at 60

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Tax-free lumpsum

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Monthly pension

Assumes 6% annuity rate. NPS: 60% lumpsum is tax-free; annuity income is taxable. Extra ₹50,000 deduction under 80CCD(1B).

FAQ

What is NPS?

National Pension System — a government retirement scheme. You contribute till 60; at retirement, 60% can be withdrawn tax-free and 40%+ must buy an annuity for monthly pension.

What tax benefits does NPS give?

Up to ₹1.5 lakh under 80CCD(1) plus an exclusive extra ₹50,000 under 80CCD(1B) — ₹2 lakh total deduction.

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