NPS Calculator — ₹10,000/month for 20 Years
NPS with ₹10,000/month for 20 Years at 10% blended return: corpus at retirement (age 60) = ₹76,56,969. Lumpsum (60%) = ₹45,94,181, Monthly pension (6.5% annuity on 40%) ≈ ₹16,590.
Total Corpus
₹61,43,586
Est. Monthly Pension
₹12,287
Tax-Free Lumpsum (60%)
₹36,86,152
Annuity Fund (40%)
₹24,57,434
Equity assumed at 12% p.a., Debt at 7% p.a. Max equity allocation is 75% (Active choice). 60% lumpsum is tax-free; 40% must be used to buy an annuity (6% annuity assumed for pension estimate).
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Calculated with CalcHub
Common questions about NPS Calculator — ₹10,000/month for 20 Years
What will my NPS corpus be if I invest ₹10,000/month for 20 years?
At 10% blended return (65% equity/35% debt allocation), investing ₹10,000/month for 20 years builds a corpus of ₹76,56,969. At maturity, you must annuitize at least 40% (₹30,62,788) for a monthly pension of ~₹16,590, and can withdraw ₹45,94,181 tax-free.
What is the NPS tax benefit for ₹1,20,000/year contribution?
NPS contributions get three tax benefits: (1) Up to ₹1.5 lakh under Section 80C, (2) Additional ₹50,000 under Section 80CCD(1B) — exclusive to NPS, (3) Employer NPS contribution up to 10% of basic under 80CCD(2) is tax-free. Total possible deduction: ₹2 lakh + employer contribution.