Plan your retirement with the National Pension System. Calculate your expected corpus, tax-free lump sum, and monthly pension at age 60.
Total Invested
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Est. Returns
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Total Corpus
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Tax-free Lump Sum (60%)
Amount you can withdraw
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Nominal Monthly Pension
Future value at age 60
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Inflation-Adjusted Pension
True purchasing power in today's money
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Building a secure retirement requires consistent saving and taking advantage of retirement-focused accounts like the National Pension System (NPS). However, be aware of recent tax changes: If you opt for the Old Tax Regime, NPS provides an exclusive ₹50,000 tax deduction under Section 80CCD(1B), saving you up to ₹15,600 annually in the 30% bracket. If you use the New Tax Regime (the default for most), this ₹50,000 deduction is NO LONGER available. Only employer contributions (up to 14% of basic salary) remain tax-exempt under the new regime.
The NPS comes with two account types. The Tier I account is the mandatory retirement account with strict lock-in rules until age 60. The Tier II account is a voluntary investment account with no lock-in (you can withdraw anytime), but it offers no tax benefits whatsoever.
NPS is unique because of what happens when you turn 60. You are allowed to withdraw a maximum of 60% of your corpus completely tax-free. You are forced by law to use the remaining 40% to buy an annuity (a fixed pension product) from a life insurance company. While the annuity guarantees a monthly payout for life, the returns are typically low (~5.5% to 6.5%), and the monthly pension is taxable as per your income slab.
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NPS is a voluntary, long-term retirement savings scheme managed by the PFRDA and Government of India. It allows you to invest in a mix of equity, corporate bonds, and government securities to build a retirement corpus.
If you opt for the Old Tax Regime, NPS offers an exclusive additional tax deduction of ₹50,000 under Section 80CCD(1B). However, under the default New Tax Regime, this ₹50,000 deduction is no longer available, and only employer contributions remain tax-exempt.
At age 60, you can withdraw up to 60% of your total accumulated corpus completely tax-free as a lump sum. The remaining 40% MUST be used to purchase an Annuity plan, which provides a regular monthly pension that is taxable as per your income slab.
NPS is highly illiquid by design. You can make partial withdrawals up to 25% of your own contributions for specific reasons (children's education, marriage, house purchase, critical illness) after completing 3 years. Premature exit before 60 requires 80% to go to annuity.