NPS (National Pension System) Calculator
PFRDA Tier-1 pension projection with 60% tax-free lumpsum, 40% annuity pension, and Sec 80CCD(1B) ₹50k extra deduction.
NPS Pension & Tax Calculator
Tier-1 National Pension System with Section 80CCD(1B) ₹50,000 extra tax deduction
Contribute ₹4,167/mo to max out the ₹50,000 Sec 80CCD(1B) tax deduction.
Historical NPS equity schemes have yielded 10%–12% CAGR.
₹1,40,41,677
Accumulated over 32 years of disciplined contributions
Total Invested
₹19,20,000
Your principal capital
Tax-Free Lumpsum
₹84,25,006
60% withdrawable at 60 (0% Tax)
Monthly Pension
₹30,424/mo
Guaranteed lifelong pension
Annual Tax Saved
₹15,600/yr
Under Section 80CCD(1B)
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PFRDA National Pension System & Superannuation Planner
Retirement Annuity & Section 80CCD Strategist · Digital Bharat Law
Suggested Questions for this Tool:
Understanding NPS (National Pension System) Calculator
The National Pension System (NPS) is a voluntary, long-term retirement savings scheme regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It offers market-linked returns across asset classes (Equity - E, Corporate Bonds - C, Government Securities - G, and Alternative Assets - A).
Upon reaching age 60, subscribers can withdraw up to 60% of their accumulated corpus 100% tax-free, while the remaining mandatory 40% must be invested in an annuity plan to provide monthly pension for life.
* NPS Tier-1 is the retirement account with tax benefits; Tier-2 is an open-ended savings account with instant liquidity.
Key Regulatory Rules & Thresholds (FY 2025–27)
Essential departmental provisions, tax brackets, and statutory compliance mandates.
Exclusive ₹50,000 Tax Deduction
Sec 80CCD(1B)Section 80CCD(1B) provides an additional ₹50,000 deduction over the ₹1.5L Section 80C limit (Old Tax Regime).
Budget 2024 Employer NPS Hike
Budget 2024Deduction for employer contribution to NPS under Section 80CCD(2) for private sector increased to 14% under New Tax Regime.
60% Tax-Free Exit
Tax ExemptionSection 10(12A) makes 60% lumpsum withdrawal at age 60 completely tax-free; 40% annuity is taxable as pension income.
Low Fund Management Cost
Lowest CostNPS features the lowest fund management charges in the world (~0.03% to 0.09% p.a.), maximizing compounding efficiency.
Frequently Asked Questions
Authoritative answers to common questions verified by our accredited legal & compliance panel.
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