NPS Calculator — Embeddable Widget

Current Age30 yrs

18 yrs65 yrs

Retirement Age60 yrs

40 yrs75 yrs

Monthly ContributionRs 5,000

Rs 500Rs 1,00,000

Expected Annual Return10%

4%16%

Annuity Rate (post-retirement)6%

4%10%

Annuity Percentage40% (min 40%)

40%100%

NPS minimum annuity: 40%of corpus must be used to purchase annuity · Max lump sum: 60% (tax-free up to 60%)

Total Investment

18.00 L

Estimated Corpus at Retirement

1.13 Cr

Lump Sum Withdrawal (60%)

67.81 L

Annuity Portion (40%)

45.21 L

Estimated Monthly Pension

₹22,605

Wealth Gained (Interest)

95.02 L

Corpus Growth (5-year intervals)

Yr 5

Age 35: 3.87 L

Yr 10

Age 40: 10.24 L

Yr 15

Age 45: 20.72 L

Yr 20

Age 50: 37.97 L

Yr 25

Age 55: 66.34 L

Yr 30

Age 60: 1.13 Cr

NPS Tax Benefits — Section 80CCD

80CCD(1B): Additional Rs 50,000 deduction over and above 80C limit. Annual contribution of Rs 60,000 qualifies for Rs 50,000 deduction.
80CCD(2): Employer contribution up to 10% of salary (14% for central govt) — no upper cap.