← Back to calculatorsNPS · Triple tax benefit

NPS benefits — retirement + ₹50K extra deduction.

80CCD(1), 80CCD(1B) and 80CCD(2) benefits projected alongside your retirement corpus and monthly pension.

80CCD(1): Within ₹1.5L80CCD(1B): Extra ₹50K80CCD(2): 10-14% of BasicLock-in: Till 60

Contribution Details

Your Monthly Contribution₹5,000/mo

Annual: ₹60,000

Employer Monthly Contribution₹3,000/mo

Annual: ₹36,000 • Under 80CCD(2)

Your Current Age30 yrs

30 years to retirement at age 60

Annual Basic Salary₹6.00 L

Used for 80CCD(1) & 80CCD(2) limits

Government Employee

80CCD(2) limit: 10% of basic

Asset Allocation

100% / 100%

Equity (E)

50%

High risk, high return • Expected: ~12% p.a.

Corporate Bonds (C)

30%

Moderate risk & return • Expected: ~8% p.a.

Govt Securities (G)

15%

Low risk, stable • Expected: ~7% p.a.

Alternative (A)

REITs, InvITs etc. • Expected: ~9% p.a.

Weighted Expected Return9.9% p.a.

Override with custom return

Quick Presets

Retirement Options

Annuity Purchase %40%

Min 40% mandatory • Lump sum: 60% (tax-free)

Expected Annuity Rate6%

Rate at which annuity provider pays monthly pension

Retirement Corpus

₹1.70 Cr

Monthly Pension

₹34,059

@ 6% annuity

Lump Sum

₹1.02 Cr

Tax-free at 60

Tax Saved/yr

₹29,952

All sections (30% slab)

Total Contributed

₹28.80 L

Total Returns

₹1.41 Cr

Wealth Multiplier

5.9x

Lifetime Tax Saved

₹8.99 L

Corpus Growth: Age 30 → 60

Triple Tax Benefit

80CCD(1) + 80CCD(1B) + 80CCD(2) — up to ₹2L+ annual deduction

Market-Linked Returns

Choose between E, C, G, A asset classes based on risk appetite

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Flexible Annuity

Min 40% for annuity, rest tax-free lump sum at retirement

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Tier I & II Accounts

Tier I: locked till 60 with tax benefits. Tier II: flexible withdrawals

Disclaimer: NPS returns are market-linked and not guaranteed. Historical returns used as assumptions. Annuity rates vary by provider. Tax benefits subject to changes in tax laws. Consult a financial advisor for personalized advice.