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About the National Pension System (NPS)

The National Pension System (NPS) is a government-backed retirement savings scheme in India, designed to provide financial security to individuals post-retirement. It is a voluntary, defined-contribution retirement plan regulated by the Pension Fund Regulatory and Development Authority (PFRDA). Open to all citizens of India, NPS is especially popular among government and corporate employees due to its tax benefits and the promise of a steady income after retirement.

Key Features of NPS:

1. Dual Contributions: Employees and employers contribute regularly to an individual’s pension account, ensuring consistent growth of the retirement corpus.
2. Market-Linked Returns: Contributions are invested in diverse financial instruments such as equities, government bonds, and corporate debt, providing a balance of security and growth.
3. Flexibility: Investors can choose their preferred pension fund managers and asset allocation.
4. Tax Benefits: Contributions under NPS qualify for tax deductions under Section 80C and Section 80CCD(1B), making it a tax-efficient investment.
5. Annuity and Lump-Sum: Upon retirement, 60% of the corpus can be withdrawn tax-free, while the remaining 40% is used to purchase an annuity that provides regular monthly income.

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How This Tool Can Help You

Planning for retirement can be challenging, as it involves estimating future financial needs and balancing current expenses. This NPS Calculator simplifies the process by providing a clear breakdown of your contributions, potential returns, and expected monthly pension. Here’s how the tool helps:

1. Accurate Estimates: By inputting your basic salary, age, and retirement goals, the calculator provides an estimate of your retirement corpus and monthly pension income.
2. Real-Time Contribution Insights: The tool displays monthly and yearly contributions by the employee and the government, helping users understand how much they are investing over time.
3. Visual Representation: With an interactive pie chart, you can see the proportion of employee contributions, government contributions, and market returns in your total accumulated corpus.
4. Tax-Free Corpus Insights: It also highlights the amount that can be withdrawn tax-free at retirement, giving a realistic picture of liquidity at retirement.
5. Easy Comparisons: The calculator allows you to tweak variables like basic salary and age, enabling quick comparisons of different scenarios for better retirement planning.

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Why Use This Tool?

Retirement planning is a critical aspect of financial well-being. This tool empowers you to:

• Plan your future expenses effectively.
• Understand the financial benefits of NPS.
• Gain clarity on how your contributions grow over time with market-linked returns.
• Prepare for a financially secure retirement with accurate projections.

Start using the NPS Calculator today and take a confident step toward a stress-free retirement!