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NPS Calculator
National Pension System · Retirement Corpus · Pension Estimate
Include Tier II Account
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Total Invested
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Total Corpus @ Retirement
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Lump Sum Withdrawal
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Annuity Corpus (Tier I only)
Estimated Monthly Pension (from Tier I)
₹0
Real (Today’s Value): ₹0
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Inflation-Adjusted Corpus (Today’s Money)
| Year | Age | Tier I Contrib. | Tier I Balance | Tier II Balance |
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Frequently Asked Questions
Is NPS mandatory?
No, it is voluntary for most citizens. However, it is mandatory for central and state government employees joining after specific cutoff dates.
Is NPS taxable?
Contributions are tax-deductible under Section 80C and 80CCD(1B). At maturity, 60% of the withdrawal is tax-free, while the annuity portion is taxable as income.
What is Tier 1 vs Tier 2?
Tier 1 is the mandatory pension account with lock-in periods. Tier 2 is a flexible, voluntary savings account with no withdrawal restrictions.
When can I withdraw NPS?
Partial withdrawals (up to 25%) are allowed after 3 years for specific needs. Full withdrawal is allowed at age 60, where at least 40% must be used to buy an annuity.