NPS Calculator

National Pension System — corpus projection, Sec 80CCD tax savings & annuity split

FY 2026-27 READY

Current Age (years)

Retirement Age (years)

Monthly Contribution (₹) Minimum Tier-I contribution ₹500/month.

Employer Contribution (₹/month) For salaried — up to 10% of Basic+DA deductible u/s 80CCD(2) (14% for govt.).

Expected Annual Return (%)

10%

Typical blended return 9-11% (Equity + Govt. + Corp. Debt).

Annuity Purchase at Retirement (%)

40%

Min. 40% compulsory; balance withdrawn tax-free (lump sum up to 60%).

Expected Annuity Rate (%) Current annuity rates typically 6-7% p.a.

Income Tax Slab (for 80C / 80CCD(1B) benefit)

Corpus Projection at Retirement

Tax Benefit Summary (Annual)