Retirement & NPS Calculator
Plan your retirement corpus. Calculate NPS maturity, pension, and how long your money lasts.
Personal details
28 yrs
60 yrs
Years to retirement32 years
₹80,000
NPS contributions
₹5,000
80CCD(1): up to 10% of salary
₹5,000
80CCD(2): up to 10% of salary, tax-free
₹0
Post-retirement
40% (min 40%)
Mandatory 40% must go into annuity at retirement
6% p.a.
₹50,000
6%
7%
NPS corpus at age 60
₹2.81 Cr
32 years · 10% returns · ₹10,000 /month
Monthly pension
₹56,167
Tax-free lumpsum
₹1.69 Cr
Corpus survives
5 yrs
Total invested
₹38.40 L
Returns
₹2.42 Cr
Total corpus
₹2.81 Cr
Invested — ₹38.40 L
Returns — ₹2.42 Cr
86% of corpus is pure returns
💰 NPS Tax Benefits
80CCD(1) — your contributionUp to ₹1.5L (within 80C limit)
80CCD(1B) — extra NPS₹50,000 additional deduction
80CCD(2) — employer's shareUp to 10% of salary, no cap
Max annual tax benefit₹51,000 @ 30%
NPS corpus growth — age 28 to 60
Age 29Invested: ₹1.20 LCorpus: ₹1.27 L
29
Age 30Invested: ₹2.40 LCorpus: ₹2.67 L
30
Age 31Invested: ₹3.60 LCorpus: ₹4.21 L
31
Age 32Invested: ₹4.80 LCorpus: ₹5.92 L
32
Age 33Invested: ₹6.00 LCorpus: ₹7.81 L
33
Age 34Invested: ₹7.20 LCorpus: ₹9.89 L
34
Age 35Invested: ₹8.40 LCorpus: ₹12.20 L
35
Age 36Invested: ₹9.60 LCorpus: ₹14.74 L
36
Age 37Invested: ₹10.80 LCorpus: ₹17.55 L
37
Age 38Invested: ₹12.00 LCorpus: ₹20.66 L
38
Age 39Invested: ₹13.20 LCorpus: ₹24.09 L
39
Age 40Invested: ₹14.40 LCorpus: ₹27.87 L
40
Age 41Invested: ₹15.60 LCorpus: ₹32.06 L
41
Age 42Invested: ₹16.80 LCorpus: ₹36.68 L
42
Age 43Invested: ₹18.00 LCorpus: ₹41.79 L
43
Age 44Invested: ₹19.20 LCorpus: ₹47.44 L
44
Age 45Invested: ₹20.40 LCorpus: ₹53.67 L
45
Age 46Invested: ₹21.60 LCorpus: ₹60.56 L
46
Age 47Invested: ₹22.80 LCorpus: ₹68.16 L
47
Age 48Invested: ₹24.00 LCorpus: ₹76.57 L
48
Age 49Invested: ₹25.20 LCorpus: ₹85.85 L
49
Age 50Invested: ₹26.40 LCorpus: ₹96.11 L
50
Age 51Invested: ₹27.60 LCorpus: ₹1.07 Cr
51
Age 52Invested: ₹28.80 LCorpus: ₹1.20 Cr
52
Age 53Invested: ₹30.00 LCorpus: ₹1.34 Cr
53
Age 54Invested: ₹31.20 LCorpus: ₹1.49 Cr
54
Age 55Invested: ₹32.40 LCorpus: ₹1.66 Cr
55
Age 56Invested: ₹33.60 LCorpus: ₹1.85 Cr
56
Age 57Invested: ₹34.80 LCorpus: ₹2.05 Cr
57
Age 58Invested: ₹36.00 LCorpus: ₹2.28 Cr
58
Age 59Invested: ₹37.20 LCorpus: ₹2.53 Cr
59
Age 60Invested: ₹38.40 LCorpus: ₹2.81 Cr
60
Total investedCorpus valueHover for details
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