Estimate your NPS retirement corpus and the 60%/40% exit illustration using an assumed return rate. Actual NPS outcomes depend on market-linked returns, exit rules and annuity rates.
| Age | Total Invested | Interest Earned | Accumulated Corpus |
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NPS is a market-linked retirement savings system. This calculator uses a simplified illustration based on your monthly contribution and assumed return. The 60% lump-sum / 40% annuity split shown here is an illustration of the standard normal-exit structure and should not be treated as a personalised tax or pension guarantee.
NPS offers tax deductions up to ₹1.5 Lakh under Section 80CCD(1) and an exclusive additional deduction of ₹50,000 under Section 80CCD(1B).
At normal exit, the standard structure is commonly illustrated as up to 60% lump-sum and at least 40% used for annuity purchase, subject to the rules applicable to your NPS account and exit circumstances. Annuity income is separate from the corpus illustration and can be taxable.
Tier-1 is a mandatory lock-in pension account with tax benefits. Tier-2 is a voluntary savings account with flexible withdrawals without lock-in.
Yes, subscriber options allow switching between Active Choice (custom equity/debt split) and Auto Choice (lifecycle-based risk adjustment).
No, NPS returns are market-linked and depend on the performance of underlying asset classes: Equity (E), Corporate Bonds (C), and Government Securities (G).