NPS Calculator (National Pension Scheme)
Estimate your monthly pension and lump sum retirement corpus under Tier-1 National Pension System with annuity distribution options.
Adjust Inputs
Real-Time UpdateMinimum 40% mandatory as per PFRDA
Annual return paid as monthly pension
Accumulated over 30 years until age 60
Lifelong monthly annuity pension
100% tax-exempt withdrawal at maturity
Visual Breakdown
Interactive Graphic- Up to 60% of the NPS maturity corpus can be withdrawn tax-free as a lump sum under Section 10(12A).
- At least 40% must be used to purchase an annuity to provide lifelong monthly pension.
- Contributions up to ₹50,000 can be claimed as an additional deduction under Section 80CCD(1B) beyond the 80C limit.
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Understanding the NPS Calculator (National Pension Scheme)
This calculator provides real-time, mathematically verified computations for Indian tax payers, investors, and businesses. All algorithms are calibrated to Indian statutory standards including the Income Tax Act 1961, CGST Act 2017, and standard banking annuity models.
How It Works
- Enter your baseline financial values using the input fields or interactive sliders.
- Observe instant changes in the summary metrics and visual breakdown charts without page reloads.
- Review the year-by-year or month-by-month amortization schedule for long-term clarity.
- Export your results via CSV or print a clean summary for your tax consultant or accountant.
PFRDA Guidelines (Minimum 40% mandatory annuity purchase)
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