Estimate your pension corpus, monthly pension, and tax savings under Section 80CCD
Free NPS calculator with pension estimation, lump sum at retirement, annuity purchase, and Section 80CCD tax savings up to ₹2 lakh. This tool is built for practical, real-world usage where speed, clarity, and reliable output matter. You can start with the default values, review the result, and then refine inputs step by step to match your exact scenario.
For best results, keep your inputs clean and complete. Double-check units, date ranges, and value formats before you calculate. If you are comparing multiple scenarios, change one variable at a time so you can clearly understand what moved the output.
This page helps when you need a quick answer without switching apps, creating accounts, or installing software. It is suitable for professionals, founders, students, and teams who want transparent logic and immediate outputs.
The tool is designed for guidance and operational calculations. For compliance-critical submissions or legal/financial filings, always verify with your official source rules and current regulations. We regularly improve these pages so they remain practical and dependable for day-to-day work.
You can also explore related tools from the full directory at /tools and, where available, automate similar workflows using our API services.
NPS has two tiers: Tier I (mandatory, lock-in till 60, tax benefits) and Tier II (voluntary, no lock-in, no tax benefit unless government employee). Tier I is the primary pension account.
Partial withdrawal is allowed after 3 years for specific purposes (education, medical, home). Up to 25% of own contributions can be withdrawn, max 3 times. Premature exit requires 80% annuity purchase.
Aggressive (Equity heavy, up to 75%) for young investors. Moderate (balanced) for 35-50 age. Conservative (debt heavy) near retirement. Auto choice lifecycle fund adjusts automatically.
At retirement, 60% can be withdrawn tax-free as lump sum (or up to 100% if corpus ≤ ₹5 lakh). The remaining 40%+ is used to buy an annuity from an insurance company, which pays monthly pension.
Purpose: Pension estimation, lump sum at retirement, and Section 80CCD tax savings.
Free NPS calculator with pension estimation, lump sum at retirement, annuity purchase, and Section 80CCD tax savings up to 2 lakh.
This finance tool page is maintained to help users make better decisions with transparent inputs, reproducible outputs, and practical interpretation guidance.