Investing
NPS Calculator
NPS corpus at 60, the compulsory annuity split and your monthly pension.
₹500₹10,000₹5 L
1830 years65
510%15
4040%100
Minimum 40% by law.
46%10
Corpus at 60
₹2,27,93,253
- Lump sum60%
- Annuity40%
- Total invested
- ₹36,00,000
- Tax-free lump sum (60%)
- ₹1,36,75,952
- Locked into annuity
- ₹91,17,301
- Monthly pension
- ₹45,587
What this means.NPS gives an extra ₹50,000 deduction under 80CCD(1B) over and above 80C. The catch: at least 40% must buy an annuity, annuity income is fully taxable, and current annuity rates of about 6% are poor value versus an SWP.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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