An extra ₹50,000 deduction for your own NPS contribution, on top of the ₹1.5 lakh 80CCE cap. Old regime only.

Does the new regime allow NPS deductions?

80CCD(1) and 80CCD(1B) are not allowed. Employer 80CCD(2) still is, up to 14% of salary (basic + DA) in FY 2026-27.

How does 80CCD(1) share room with 80C?

Employee NPS under 80CCD(1) is 10% of salary (20% of GTI if self-employed) and sits inside the ₹1.5 lakh 80CCE bucket with EPF, PPF, ELSS, and life premium.

Is employer NPS part of CTC tax?

80CCD(2) reduces taxable income in both regimes when the employer contributes to your NPS tier I. The page caps it at 14% of the salary figure you type.

Runs in your browser · Last updated 7 September 2026

Free NPS 80CCD(1B) Calculator (India FY 2026-27)

Free NPS 80CCD(1B) calculator. Extra ₹50,000, 80CCD(1) inside 80CCE, employer 80CCD(2) at 14% — old vs new regime. Browser tool — nothing is uploaded.

EmploymentTax regimeSalary basic + DA (₹)Your NPS contribution (₹)Employer NPS 80CCD(2) (₹)Other 80C already used (₹)

Old regime: 80CCD(1) shares the ₹1.5 lakh 80CCE cap with 80C. 80CCD(1B) is an extra ₹50,000. 80CCD(2) sits on top. Not tax advice.

80CCD(1)

₹0

80CCD(1B)

₹50,000

80CCD(2) employer

₹50,000

Total NPS deduction

₹1,00,000

Tax saved (old regime)

₹20,800

Tax saved (new regime)

₹0

80CCD(1) cap

₹1,20,000

80CCE room left

₹0

1B room left

₹0

How to use this tool

Choose salaried vs self-employed and old vs new regime.
Enter salary (or GTI), your NPS, employer NPS, and other 80C already used.
Read 80CCD(1), 80CCD(1B), 80CCD(2), and estimated tax saved.

Worked example

₹12 lakh basic + DA, ₹1.5 lakh already in EPF/PPF/ELSS, ₹1 lakh of your NPS, ₹50,000 employer NPS. Old regime: 80CCD(1) is ₹0 because 80CCE is full, 80CCD(1B) takes ₹50,000, 80CCD(2) takes ₹50,000. New regime: only the ₹50,000 employer piece remains. A ₹15 lakh new-regime salary is still ₹97,500 tax in the income-tax tool before this extra 80CCD(2) cut.

Frequently asked questions

What is 80CCD(1B)?: An extra ₹50,000 deduction for your own NPS contribution, on top of the ₹1.5 lakh 80CCE cap. Old regime only.
Does the new regime allow NPS deductions?: 80CCD(1) and 80CCD(1B) are not allowed. Employer 80CCD(2) still is, up to 14% of salary (basic + DA) in FY 2026-27.
How does 80CCD(1) share room with 80C?: Employee NPS under 80CCD(1) is 10% of salary (20% of GTI if self-employed) and sits inside the ₹1.5 lakh 80CCE bucket with EPF, PPF, ELSS, and life premium.
Is employer NPS part of CTC tax?: 80CCD(2) reduces taxable income in both regimes when the employer contributes to your NPS tier I. The page caps it at 14% of the salary figure you type.
Uploaded?: No.