🔍 vs Google
NPS Calculator vs Google — Corpus, Annuity, 80CCD Deduction
Quick Answer
Google has no NPS calculator. CalcCrack NPS Calculator projects your NPS corpus at retirement based on monthly contribution, current age, asset allocation (Tier I aggressive/moderate/conservative), and assumed returns — and then shows the monthly annuity pension from 40% mandatory annuitization and the remaining 60% lump sum.Why CalcCrack beats Google Calculator
- ✓Asset class blended returns — Equity (E), Corporate Bonds (C), Government Securities (G) allocation modelling
- ✓Annuity income projection — monthly pension from 40% corpus at current annuity rates (~6%)
- ✓80CCD(1B) additional ₹50,000 deduction shown — extra tax saving beyond 80C
- ✓Employer NPS contribution of 10% salary — Section 80CCD(2) deduction (no upper limit in new regime)
- ✓Corpus projection at any retirement age from 40 to 60
Feature Comparison
| Feature | CalcCrack 🎯 | 🔍 Google Calculator |
|---|---|---|
| India-specific rules & data | ✓ | × |
| Multi-step calculation | ✓ | × |
| Detailed breakdown | ✓ | × |
| Shareable results | ✓ | × |
| Save & revisit calculations | ✓ | × |
| Basic arithmetic | ✓ | ✓ |
| Voice input | × | ✓ |
Use NPS Calculator on CalcCrack
India-specific calculation — more than Google Calculator can do. Free, no sign-up.
Frequently Asked Questions
What is the expected return on NPS?+
NPS Tier I equity (E) fund has historically returned 12–14% CAGR. Corporate bonds (C) return 8–10%. Government securities (G) return 7–9%. Under the Aggressive Life Cycle Fund, auto-allocation starts at 75% equity and reduces to 15% equity by age 55.
What is the 80CCD(1B) deduction in NPS?+
Section 80CCD(1B) allows an additional deduction of up to ₹50,000 for NPS contributions over and above the ₹1.5L limit of Section 80C. This is only available under the old tax regime. Under the new regime, 80CCD(2) employer contribution (up to 14% of salary) is deductible.
How much of NPS corpus is tax-free at retirement?+
60% of NPS corpus withdrawn as lump sum at retirement (after age 60) is completely tax-free. The remaining 40% must be used to buy an annuity; annuity income is taxable as regular income.
Can I withdraw from NPS before 60?+
Partial withdrawal (up to 25% of own contributions) is allowed after 3 years for specific purposes: children's education or marriage, home purchase/construction, critical illness treatment. Full withdrawal before 60 requires 80% annuitization.
Related Calculator
🎯NPS Calculator
National Pension System corpus projection with blended returns
Disclaimer: This page is for informational purposes and does not constitute financial, tax, or investment advice. Tax rules and rates are as per FY 2025-26 and subject to change. Always consult a SEBI-registered advisor or Chartered Accountant before making financial decisions.