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NPS Calculator
Project your National Pension System corpus at 60, monthly pension, and the income-tax savings under 80CCD(1B). Useful for deciding between NPS, EPF VPF, and PPF.
NPS mandates min 40% to buy annuity; rest is tax-free lump sum.
Corpus at age 60
₹106.1L
₹1,06,14,667
Total invested₹24,00,000
Tax-free lump sum₹63,68,800
Annuity corpus₹42,45,867
Est. monthly pension₹24,768
Annual tax savings₹28,800
NPS tax benefits stack
- 80CCD(1): up to 10% of salary (or 20% if self-employed) — within ₹1.5L 80C ceiling.
- 80CCD(1B): extra ₹50,000 above 80C — unique to NPS.
- 80CCD(2): employer contribution up to 14% (govt) / 10% (private) — no upper limit on amount; doesn't eat 80C.
- Old regime only for 80CCD(1) and (1B). 80CCD(2) works under both regimes.