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NPS Calculator
National Pension System retirement corpus.
How this is calculated
Your equity/debt split blends two illustrative long-run assumptions (12% equity, 7% debt) into one effective rate, which then compounds monthly like a SIP until age 60. At retirement, the mandatory annuity portion is assumed to pay out at 6% per year — actual annuity rates vary by provider and change over time.
Tax treatment
NPS contributions get a tax deduction under 80CCD, growth is tax-deferred, and up to 60% of the maturity corpus can be withdrawn tax-free as a lump sum — but the mandatory annuity portion is taxed as ordinary income each year you receive it in retirement.