NPS Calculator 2025

NPS Calculator India 2025 — National Pension System Corpus

Calculate your NPS corpus at retirement based on monthly contribution, expected returns, and investment tenure. The calculator shows corpus split into lump sum (60%) and annuity (40%), estimated monthly pension, and total tax savings under Section 80C + 80CCD(1B).

NPS Tax Benefits — Section 80CCD(1B)

NPS offers India's best tax saving opportunity. You can claim ₹1.5 lakh under Section 80C plus an additional exclusive ₹50,000 under Section 80CCD(1B) — total ₹2 lakh tax deduction per year. At 30% tax slab, this saves ₹62,400 in taxes annually (including cess).

NPS vs PPF vs FD — Which is Better for Retirement?

NPS gives equity-linked returns of 10–14% historically — far higher than PPF (7.1%) and FD (7%). For long-term retirement planning (20–30 years), NPS corpus can be 2–3x higher than PPF. However, PPF is fully liquid at maturity with no annuity requirement.

How NPS Monthly Pension is Calculated

40% of NPS corpus must be used to buy an annuity. At 6% annuity rate: Monthly Pension = (Annuity Corpus × 6%) ÷ 12. Example: ₹1 crore corpus → ₹40L annuity → ₹20,000/month pension.