Tax Calculator

Tax saved by routing contributions through NPS.

Estimate the deduction available under Section 80CCD(1), 80CCD(1B), and 80CCD(2) — and the indicative tax saving under the old and new regimes.

Inputs

Enter your assumptions

Gross annual salary

₹

Employer type

Your NPS contribution (Tier I)

₹

Counts toward 80CCD(1), capped at ₹1.5 lakh under the 80C umbrella.Additional Tier I contribution for 80CCD(1B)

₹

Extra ₹50,000 deduction over and above 80C.

Employer NPS contribution (% of Basic + DA, cap 10%)10 %

0 %14 %

Computed output

Result

Old regime — total deduction₹2,75,000

Old regime — indicative tax saved₹50,050

New regime — total deduction₹75,000

New regime — indicative tax saved₹5,460

Assumptions

What this calculator assumes

·Gross salary is treated as the total taxable income (before any deductions).
·Basic + DA is assumed at 50% of gross salary for the 80CCD(2) employer-contribution cap.
·80CCD(2) cap is 10% of Basic + DA for private-sector subscribers and 14% for government subscribers.
·80CCD(1) is capped at ₹1.5 lakh and is part of the overall Section 80C/80CCD ceiling.
·80CCD(1B) adds an additional ₹50,000 over and above 80C.
·Under the new regime, 80CCD(1) and 80CCD(1B) are not available; 80CCD(2) continues to apply.
·Marginal rate is approximated from the effective slab; cess is included.

This output is an estimate based on the assumptions you entered and the simplifications stated above. It is not a projection of any specific NPS account, fund, or product, and it is not personalised investment, tax, legal, or retirement advice. Verify current rules from official sources and consult qualified professionals before acting.