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NPSPlan
Monthly contributions compounded until retirement — see your total corpus, annuity allocation, and lump sum withdrawal.
NPS contributions get an additional ₹50,000 tax deduction under Section 80CCD(1B), over and above the ₹1.5 lakh limit of Section 80C — making it one of the few ways to get a total ₹2 lakh deduction from contributions alone.
At retirement, a minimum of 40% of the corpus must be used to purchase an annuity (monthly pension) from an insurance company. The remaining 60% can be withdrawn as a tax-free lump sum — this split is fixed by regulation.
Estimate monthly payments with taxes, insurance, and amortization.
OpenProperty price, down payment, tenure — EMI, processing fee, and stamp duty & registration.
OpenCompare loan terms and see total interest paid.
OpenProject growth from deposits and compounding interest.
OpenTotal corpus
11,396,626.621
At least 40% of the corpus must be used to purchase an annuity; the remaining 60% can be withdrawn as a tax-free lump sum.
What you entered
Years until retirement
60 − 30= 30 yearsMonthly rate of return
10% ÷ 12= 0.8333%Total contributions
$5,000.00 × 360 months= $1,800,000.00Total corpus at retirement
Compound monthly for 360 months= $11,396,626.62Interest earned
$11,396,626.62 − $1,800,000.00= $9,596,626.62Annuity purchase (40% of corpus)
$11,396,626.62 × 40%= $4,558,650.65Lump sum withdrawal
$11,396,626.62 − $4,558,650.65= $6,837,975.97Result
Total corpus: 11,396,626.621
Contributing $5,000/month from age 30 to 60 at 10% return builds a corpus of $11,396,627. After purchasing an annuity with 40%, you receive a $6,837,976 lump sum.