NPS.ENGINE v1.0 — Pension Corpus Matrix Active

NPS Calculator

Estimate your National Pension Scheme corpus, monthly pension income, lump sum withdrawal amount and annuity returns with a live NPS planning engine built for every Indian.

National Pension Scheme Live Calculator Pension Planning Tax Saving u/s 80CCD

Total NPS Corpus at Retirement

₹0

Estimated pension wealth accumulated in NPS

Monthly Pension

₹0

Estimated monthly annuity income

Lump Sum at 60

₹0

60% withdrawal (tax-free)

Annuity Corpus

₹0

40% used to buy annuity

Expected Return

10%

Pre-retirement growth rate

NPS Parameters

Live

Current Age 30 Yrs

184059

Monthly Contribution ₹5,000

₹500₹1L₹2L

Employer Contribution (Monthly) ₹2,000

₹0₹50K₹1L

Expected Annual Return 10%

1%8%15%

Retirement Age 60 Yrs

406070

Annuity Rate (p.a.) 6%

1%6%12%

Annuity Purchase % 40%

40%70%100%

Total NPS Corpus at Retirement

₹0

Accumulated NPS wealth including employee + employer contributions with compounded returns

Years to Invest: 30 Yrs

Monthly Pension: ₹0

Lump Sum (60%): ₹0

Employee Invested

₹0

Total contributions by you

Employer Invested

₹0

Total contributions by employer

Total Invested

₹0

Combined contributions

Wealth Gained

₹0

Interest / returns earned

Employee Contributions ₹0

Employer Contributions ₹0

Returns / Growth ₹0

Breakdown

Current Age30 Yrs

Retirement Age60 Yrs

Investment Period30 Yrs

Monthly Contribution (You)₹0

Monthly Contribution (Employer)₹0

Total Corpus₹0

Lump Sum (Tax-Free)₹0

Annuity Corpus₹0

Monthly Pension₹0

Wealth Gained (Returns)₹0

What is NPS?

National Pension System (NPS) is a government-backed voluntary retirement savings scheme regulated by PFRDA. It offers market-linked returns and tax benefits under Section 80CCD(1B).

Tax Benefits

NPS contributions are eligible for deduction up to ₹1.5L under 80C and an additional ₹50,000 under 80CCD(1B). On maturity, 60% corpus withdrawal is completely tax-free.

Tier I vs Tier II

Tier I is the mandatory pension account with withdrawal restrictions and tax benefits. Tier II is a voluntary savings account with full flexibility to withdraw anytime, but no extra tax benefit.

Frequently Asked Questions

For Tier I, the minimum contribution is ₹1,000 per year and minimum ₹500 per transaction. For Tier II, the minimum is ₹250 per contribution with no annual minimum.

At age 60, you can withdraw 60% of the corpus as a lump sum (tax-free) and must use at least 40% to purchase an annuity for monthly pension. Partial withdrawals are allowed after 3 years for specific purposes.

NPS offers Auto and Active investment choices. Under Active, you can allocate across Equity (E), Corporate Bonds (C), Government Securities (G) and Alternative Assets (A). Equity exposure is capped at 75% till age 50, then gradually reduced.

NPS offers higher potential returns through equity exposure and an extra ₹50,000 deduction. EPF offers guaranteed returns and full corpus tax-free on maturity. A combination of both often provides the best retirement corpus.

Want a Personalised Pension Strategy?

Talk to a VCULP advisor and compare NPS, EPF, PPF and mutual fund SIP options to build the most tax-efficient retirement portfolio for your goals.

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