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Home›NPS Calculator

NPS Calculator

Calculate your National Pension System (NPS) returns, pension amount, and tax savings under 80CCD(1B). See how your NPS corpus grows over time.

10% of basic for govt employees, varies for private

Max 75% equity. Blended return: 9.4%/yr

Total Corpus at 60

₹99.78 L

You Invest₹18,00,000
Returns₹81,78,469

Lump Sum (60%)₹59.87 L
Monthly Pension₹19,957/mo

Tax Saving (80CCD1B)₹15,000/yr

📈 NPS Corpus Growth

💰 Tax Benefits

₹15,000

Annual tax saving (80CCD1B)

₹4,50,000

Total tax saved (30 years)

₹59,87,081

Tax-free lump sum

💡 Related Tools

ComparePPF CalculatorEquitySIP CalculatorTaxIncome Tax SavingsFIRERetirement Planner

Frequently Asked Questions

What is NPS?▼
National Pension System (NPS) is a government-backed retirement savings scheme. You invest monthly, choose your asset allocation (equity/debt), and get a pension + lump sum at retirement.
What tax benefits does NPS offer?▼
₹1.5L under Section 80C + additional ₹50,000 under Section 80CCD(1B) = up to ₹2L total tax deduction. For 30% slab, that's ₹60,000/year in tax savings.
Is NPS better than PPF?▼
NPS has equity exposure (higher potential returns) but 40% must buy annuity at retirement. PPF is fully tax-free on withdrawal. NPS is better for higher returns, PPF for full liquidity.
What is the annuity rule in NPS?▼
At 60, you must use at least 40% of corpus to buy an annuity (monthly pension). The remaining 60% is tax-free lump sum withdrawal.
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