Salary
Take-Home Salary After NPS Calculator
Shows how a voluntary NPS contribution under Section 80CCD(1B) affects your take-home salary and tax saved, under the Old Regime.
Your details
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Tax saved by contributing
₹11,610
Monthly take-home (after NPS)
₹75,023
Contributing ₹50,000 to NPS under Section 80CCD(1B) saves you an estimated ₹11,610 in tax — your monthly take-home becomes approximately ₹75,023.
Section 80CCD(1B) is only available under the Old Tax Regime.
How this is calculated
Compares Old Regime tax with and without a Section 80CCD(1B) NPS deduction (capped at ₹50,000); take-home is recomputed net of the NPS contribution itself and the resulting tax difference.
Frequently asked questions
What is Section 80CCD(1B)?
An additional ₹50,000/year deduction for voluntary NPS contributions, over and above the ₹1,50,000 Section 80C limit — available only under the Old Regime.
Does the NPS contribution itself reduce my take-home?
Yes — it's money that leaves your take-home to go into your NPS account, but the resulting tax saving partially offsets that reduction, which this calculator shows net.
Is this available under the New Regime?
No — 80CCD(1B) is an Old Regime-only deduction. Under the New Regime, only the employer's NPS contribution (a different section, 80CCD(2)) is deductible.