National Pension System (NPS) Calculator
Estimate your Tier-I retirement corpus, PFRDA statutory lump-sum vs annuity allocation, and exclusive Section 80CCD(1B) tax shield.
Annuity Allocation Percentage40%
Note: Minimum 40% of maturity corpus must be invested in an annuity at age 60.Retirement Corpus Distribution
Tax-Free Lump Sum: ₹68,37,976 (60%)
Annuity Investment: ₹45,58,651 (40%)
Total Amount Invested
₹18,00,000
Total Investment Gain
₹95,96,627
Total Accumulated Pension Wealth
₹1,13,96,627
Tax-Free Lump-Sum Withdrawal (Section 10(12A))
₹68,37,976
Mandatory Annuity Investment (ASP Reinvestment)
₹45,58,651
Estimated Lifetime Monthly Pension Income
₹22,793 / month
Section 80CCD(1B) Exclusive Tax Shield
Additional ₹50,000 annual deduction over and above Section 80C ₹1.5 Lakh ceiling under Old Tax Regime.
Tax Bracket:
Annual NPS Contribution
₹60,000
Eligible 80CCD(1B) Rebate
₹50,000 / yr
Direct Tax Saved Annually
₹15,600 / yr
Total Tax Saved Over Tenure
₹4,68,000
How to Use the NPS Calculator
The NPS Calculator is a free, easy-to-use tool that helps you get accurate results instantly. Simply enter your values in the input fields above and the results will update in real time.
Step-by-Step Guide
- Enter the required values in the input fields provided above.
- Adjust the inputs using the sliders or type directly for precision.
- View the calculated results displayed below the inputs.
- Use the detailed breakdown to understand the numbers better.
Why Use This Calculator?
Manual calculations can be tedious and error-prone. Our nps calculator uses precise mathematical formulas to give you reliable results in milliseconds. Whether you are planning, comparing options, or just curious, this tool saves you time and effort.
Results are calculated using industry-standard formulas with full floating-point precision.