National Pension System corpus with Tier-I & Tier-II projections, tax savings and annuity income estimate
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National Pension System corpus with Tier-I & Tier-II projections, tax savings and annuity income estimate. The NPS Calculator is designed to help individuals, investors, and finance professionals with financial planning, budgeting, and investment decisions.
Instead of complex manual computation, you can use this tool to get instant, accurate results. Simply enter your values to see a step-by-step breakdown of how the answer was reached.
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Maturity = Contributions × (1 + r)^n compounded annually
60% lump sum tax-free; 40% used to purchase annuity
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⚠️ Financial Disclaimer: Results are estimates based on the inputs you provide and standard mathematical formulas. They do not constitute financial advice. Please consult a certified financial advisor, accountant, or tax professional before making any investment, loan, or financial decisions.
Govt employees: 14%, Private: typically 10%
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NPS is a government-regulated pension scheme with three tax advantages: 80C (up to ₹1.5L), 80CCD(1B) (extra ₹50K — exclusive to NPS), and 80CCD(2) (employer contribution). At retirement (60), 60% can be withdrawn tax-free as lump sum; 40% must buy an annuity. NPS returns have historically been 9–12% in equity-heavy schemes (E tier). Ideal for those in the 30% tax bracket.