NPS Calculator — Calculadora Online Grátis
National Pension System corpus with Tier-I & Tier-II projections, tax savings and annuity income estimate
Sobre Esta Calculadora
The National Pension System (NPS) is India's market-linked retirement scheme offering a combination of equity, corporate bonds, and government securities based on your chosen allocation. Contributions are tax-deductible under three separate sections — making it one of the most tax-efficient savings vehicles available.
Tax benefits in 2024: Section 80C (up to ₹1.5 lakh, shared with other 80C investments), Section 80CCD(1) (employee's own contribution up to 10% of salary within the 80C limit), and the exclusive Section 80CCD(1B) extra deduction of ₹50,000 — giving high earners a combined potential deduction of ₹2 lakh from NPS alone.
Corpus growth example: contributing ₹5,000/month from age 30 to 60 in an aggressive allocation (75% equity) at an assumed 10% annual return produces a corpus of approximately ₹1.13 crore. Conservative allocation (25% equity) at 7% returns produces ₹61 lakhs. The equity allocation significantly affects outcomes over 30 years.
At age 60, NPS mandates: 60% of the corpus can be withdrawn tax-free as a lump sum; the remaining 40% must be used to purchase an annuity (monthly pension). Higher annuity rates typically reflect higher guaranteed income but lower inflation protection. This calculator shows both the projected corpus and the estimated monthly annuity income.
Fórmula
Maturity = Contributions × (1 + r)^n compounded annually 60% lump sum tax-free; 40% used to purchase annuity
Dicas
- NPS offers an additional ₹50,000 deduction under Section 80CCD(1B) over and above the ₹1.5L limit.