Nps Calculator India 2026
Calculate NPS corpus at retirement. Compare Tier I vs Tier II. Additional ₹50,000 deduction under 80CCD(1B).
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Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
About NPS Calculator 2026
Calculate NPS corpus at retirement with assumed returns for equity (E), corporate bonds (C), and government securities (G). Shows annuity vs lump sum split at age 60. Includes tax benefit under Section 80CCD(1B) — additional ₹50,000 deduction over and above 80C limit.
NPS Calculator 2026 is a free, browser-based utility that requires no login, no signup, and no installation. All processing happens entirely within your web browser using JavaScript — your data never leaves your device. The tool works on all screen sizes including mobile phones, tablets, and desktop computers.
How to use
- Enter your values in the input fields — results update instantly as you type.
- No submit button needed. The tool calculates in real time.
- Copy your result or share it via WhatsApp or Twitter using the buttons above.
- Use the workflow links below to chain into related tools for a complete task.
- All processing is browser-only. Nothing you enter is sent to any server.
Tool details
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Expert note — India 2026
PS 80CCD(1B) gives ₹50,000 additional deduction beyond ₹1.5L 80C limit. At 30% tax slab, this saves ₹15,600/year extra — effectively making NPS the highest tax-saving instrument.
Frequently asked questions
What is the NPS return rate?
Historical: Equity (E) ~12-14%, Corporate Bonds (C) ~9-10%, Govt Securities (G) ~8-9%. Active choice allows up to 75% equity allocation till age 50.
How much of NPS corpus is tax-free at retirement?
60% lump sum withdrawal at age 60 is completely tax-free. Remaining 40% must be used to buy annuity (monthly pension), which is taxable as income.
NPS vs PPF — which is better for retirement?
NPS offers higher potential returns (equity exposure) and extra ₹50K tax benefit. PPF is EEE — fully tax-free but capped at ₹1.5L/year. For retirement corpus, NPS generally wins over 25+ years.
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