National Pension System (NPS) Retirement Calculator
Compute tier-1 retirement accumulation corpus, mandatory 40% annuity pension splits, tax-saving optimization, and year-by-year milestone schedules
Regular monthly Tier-1 deposit
Estimated CAGR growth
Mandatory min 40% for pension
Post-retirement annuity payout rate
Estimated Monthly Pension Income
₹31,452.10 / month
Total Pension Wealth: ₹2,340,660.10
Total Investment: ₹3,600,000.00 • Compound Gains: ₹19,806,601.00
Total Cash Invested
₹3,600,000.00
Monthly contribution across tenure
Tax-Free Lumpsum Withdrawal (60%)
₹14,043,960.60
Withdrawn tax-free at age 60
Annuity Corpus Investment (40%)
₹9,362,640.40
Locked into monthly pension plan
Wealth Multiplier Ratio
6.50×
Corpus Wealth ÷ Total Invested
Income Tax Deduction Optimizer (Old vs. New Regime Rules)
Max ₹1.5L/yr for 80CCD(1B) optimization
Annual Tax Savings (Old Tax Regime)
₹46,800 saved per year
Includes Section 80CCD(1B) Extra ₹50,000 Benefit
Total Annual Contribution: ₹150,000 • Effective Net Investment Cost: ₹103,200
Section 80CCD(1B) Deduction
₹50,000.00
Over and above Section 80C limit
Employer Contribution Benefit
Up to 14% Salary
Deductible under Sec 80CCD(2)
Net Effective Cost
₹103,200.00
Actual out-of-pocket investment
Tax Regime Note
Old vs New Eligibility
80CCD(2) available in both regimes
Age / Year
Invested Capital
Compound Returns
Total Corpus Value