👋 Planning Your NPS Pension?

The National Pension Scheme is a voluntary, long-term retirement savings scheme governed by the PFRDA in India. Here is how to plan:

Setup Inputs: Enter your monthly savings, current age, and the expected growth rate (usually 9-12% for equity/debt mix).

Set Annuity Size: Choose how much corpus to reinvest for pension (Min 40% mandatory). The remaining 60% is paid out tax-free at age 60.

See Pension Payouts: Review your estimated tax-free cashout and monthly lifelong retirement pension side-by-side.

NPS Settings

Monthly Contribution

₹

Current Age (Years)

Yrs

Expected Growth Return (%)

Corpus Reinvested for Annuity (%)

Expected Annuity Return (%)

Tax-Free Cash Payout

₹68,36,780

Lumpsum withdrawn at age 60

Monthly Pension (Annuity)

₹22,880

Lifelong monthly pension paid

Retirement Corpus Growth

Corpus Distribution

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📊 View Yearly Detailed Amortization Table

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Year	Total Invested	Retirement Corpus	Estimated Cash Payout

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Understanding the National Pension Scheme (NPS)

The National Pension Scheme is a voluntary, defined-contribution retirement savings scheme designed to enable systematic savings during an individual's working life. Regulated by the Pension Fund Regulatory and Development Authority (PFRDA), NPS is open to all Indian citizens aged 18 to 70.

Double Tax Deductions (Section 80C & 80CCD)

NPS is highly unique because it offers additional tax benefits. Contributions up to ₹1.5 Lakh are deductible under Section 80C. Over and above this, you can claim an **exclusive deduction of up to ₹50,000** under Section 80CCD(1B), making NPS one of the most powerful tax-saving tools for higher tax bracket earners.

How NPS Annuity and Payouts Work at Age 60

Upon reaching the retirement age of 60, you can withdraw a maximum of **60% of the accumulated corpus completely tax-free** in a lumpsum. The remaining **minimum 40% of the corpus must be reinvested** with a PFRDA-registered Annuity Service Provider to purchase a lifelong monthly pension. This calculator models both parts to show your complete cash outcome.