Calculate your NPS retirement corpus and monthly pension. See total wealth created, tax-free lumpsum, and monthly annuity income at retirement.
Equity NPS avg ~10-12%
Typical annuity: 5-7%
Min 40% mandatory
Total NPS Corpus
₹2,27,93,253
At age 60
Monthly Pension
₹45,587
40% of corpus @ 6%
Lumpsum (Tax-Free)
₹1,36,75,952
60% of corpus
Wealth Created
₹1,91,93,253
Invested: ₹36,00,000
NPS Tax Benefits
Section 80CCD(1)
Employee/self contribution up to 10% of salary
Section 80CCD(1B)
Additional contribution over 80C — unique to NPS
Section 80CCD(2)
Employer contribution — entirely above 80C
Total maximum deduction via NPS: up to ₹2 lakh (old regime). Note: 60% lumpsum is tax-free; annuity income is taxed at slab rate.
HOW IT WORKS
Input current age, retirement age, and monthly NPS contribution.
Enter expected NPS return and annuity purchase rate (minimum 40% mandatory).
See total corpus, monthly pension, tax-free lumpsum, and NPS tax benefit summary.
FAQ
60% of the NPS corpus at maturity is completely tax-free. The remaining 40% must be used to buy an annuity plan — the monthly pension from this annuity is taxed at your slab rate.
PFRDA mandates that at least 40% of NPS corpus must be used to purchase an annuity at retirement. The remaining 60% can be withdrawn as tax-free lumpsum.
Section 80CCD(1B) allows an additional ₹50,000 deduction over and above the ₹1.5 lakh 80C limit — exclusive to NPS. This makes NPS highly tax-efficient for salaried individuals in high tax brackets.
Most financial advisors recommend 75% equity (Tier 1, Scheme E) for those under 50. After 50, PFRDA auto-reduces equity allocation by 2.5% per year in the Lifecycle Fund option. Choose an Active Choice for more control.
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