National Pension System · Upgraded Engine

NPS Wealth & Tax Calculator

Step-up contributions · Inflation-adjusted real returns · Dynamic lifecycle allocation

Risk Profile

LC75 Lifecycle: Starts 75% equity, auto-shifts to bonds as you near 60. Best for long-horizon growth.

Current Age

Years to grow: 30

30 yrs

1855

Gross Monthly Income ?Total CTC ÷ 12. Includes basic, HRA, and all allowances.

Annual: ₹18L

₹1.5L /mo

₹50K₹10L

Monthly NPS Contribution ?Voluntary Tier-I. Up to ₹50,000/year gets extra 80CCD(1B) deduction beyond 80C.

✓ Within ₹50K/yr 80CCD(1B) limit

₹4,166 /mo

₹0₹50K

Annual Contribution Step-Up ?Each year your NPS deposit grows by this %. Mirrors salary hikes. Even 5% step-up can double final corpus over 30 yrs.

⚠ Step-up lags typical inflation (5%)

5% /yr

0% flat15% max

Corporate NPS Matching ?Employer contribution is tax-exempt under 80CCD(2) — no upper cap on deduction.

Employer adds 10% of Basic (₹2,000/mo · 80CCD(2))

Current Asset Allocation

Age 30

Equity 75%

Corp Debt 10%

Govt Bonds 15%

Blended return at this age: 10.85%

Your retirement snapshot

💸 Monthly Investment

₹4,166

your contribution today

🛡️ Tax Saved This Year

₹15,600

max potential savings

🏖️ Monthly Pension at 60

₹64,000

lifetime income

Inflation-Adjusted (Real ₹) View OFF

Toggle to see corpus in today's purchasing power (5% inflation assumed)

Tax Savings

Your Tax Regime

💡 New Regime selected. No 80CCD(1B) benefit on your ₹50K voluntary contribution — but employer 80CCD(2) is still deductible up to 14% of basic salary (Budget 2024 uplift from 10%). Corpus still compounds tax-free, and the 60% lump sum at 60 remains exempt under Section 10(12A).

Max Potential Tax Savings/yr (Old Regime)

₹15,600

Per month equivalent ₹1,300

80CCD(1B) deduction ₹50,000

80CCD(2) corp. deduction ₹24,000

Slab applied 31.2%

80CCD(1B): ₹50K voluntary deduction, Old Regime only. 80CCD(2): employer contribution, 10% of basic (Old Regime) or 14% (New Regime, private sector, post-Budget 2024).

Retirement Nest Egg

Projected at age 60 (nominal)

Total Corpus

₹3.2Cr

60% Tax-Free Lump Sum

Cash in hand at 60

₹1.9Cr

40% Annuity → Pension

Lifetime monthly income

₹64,000

Pension replacement ratio 43%

Corpus Growth Projection

Year-by-year wealth accumulation

Nominal

Contributions

Real ₹

Nominal values. Toggle inflation view above to see real purchasing power.

60/40 Split

Tax-Free Cash Withdrawal (60%)

₹1.9Cr

100% exempt under Section 10(12A)

Annuity Purchase (40%)

₹1.3Cr

→ ₹64K/mo lifetime pension

Step-up wealth bonus 1.0×

+₹0

extra corpus vs keeping contribution flat forever

PFRDA regulated · SEBI compliant · Zero paperwork · 2-min setup

Disclaimer: Projections use assumed CAGR (Equity 12%, Corp Debt 8%, Govt Bonds 7%) and a 5% inflation rate for real-₹ view. Step-up compounds contributions annually. Actual returns vary. Tax figures are approximate. NPS is subject to market risk. Consult a financial advisor before investing.