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Your Inputs
Output
Monthly pension from age 60
₹22.79 K
₹22,794
Total taxes you will save under section 80(CCD): ₹4,50,000 (assuming 30% tax slab)
Now that you know your NPS maturity amount, learn how to build a smarter plan for your money with the 1% Club
Learn MoreAbout NPS
The National Pension System is a retirement account you cannot casually raid. You contribute every month until 60, the money sits in a mix of equity and debt funds, and the cost of running it is among the lowest of anything you can buy in India.
At retirement the rule splits your corpus in two. At least 40% must buy an annuity, which is what pays the monthly pension above. The rest comes to you as a lump sum, tax-free. The annuity rate you are quoted on that day decides the pension more than anything else.
The tax break
₹50,000 a year under 80CCD(1B) sits on top of your 80C limit. It is the only deduction of its kind left, which is most of the reason people open an NPS account at all.
The trade-off
The money is locked until 60 and the annuity income is taxed as salary. Treat NPS as the floor under your retirement, not the whole plan.
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Trusted by 6L+ Indians · 4.7 rated