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Retirement & Savings Calculators

EPF, PPF, NPS, gratuity, NSC, SSY, SCSS

Whether you're tracking your mandatory EPF, deciding between PPF and NPS for extra 80C savings, or figuring out how much your gratuity will be worth after a decade at the same company — these calculators use India's actual statutory rates so you can plan with real numbers, not rough guesses.

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EPF Corpus

Employer + employee contribution growth

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PPF Maturity

15-year lock-in, tax-free returns

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NPS Pension

Market-linked retirement corpus

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Gratuity

Payout after 5+ years of service

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SSY

Girl child savings, fully tax-free

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SCSS

Senior citizen quarterly payouts

All Retirement Calculators

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EPF & VPF Calculator

Project your Employee Provident Fund corpus with employer contribution and interest.

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EPF vs PPF

Side-by-side comparison of returns, lock-in, and liquidity between EPF and PPF.

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PPF Calculator

15-year Public Provident Fund maturity value with current interest rates.

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NPS Calculator

National Pension System corpus and expected pension at retirement.

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Gratuity Calculator

Gratuity payable after 5+ years of service, per the Payment of Gratuity Act.

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NSC Calculator

National Savings Certificate maturity value and interest earned.

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Sukanya Samriddhi Yojana

SSY maturity value for your girl child's savings, fully tax-free under 80C.

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SCSS Calculator

Senior Citizen Savings Scheme quarterly interest payout and total returns.

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APY Calculator

Atal Pension Yojana monthly contribution for a guaranteed pension from age 60.

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NPS Tier 2 Calculator

Flexible, no-lock-in NPS investment account — project growth without retirement restrictions.

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FIRE Calculator

How much corpus you need to retire early, and how many years away you are.

Just started your first job?

Your EPF contribution starts automatically from your first salary. Start with the EPF Calculator to see how your corpus grows, then add a PPF or NPS account for extra tax-advantaged savings beyond what your employer offers.

Check EPF Corpus →EPF vs PPF

How Retirement Savings Work in India

Most salaried Indians build retirement savings through a mix of mandatory and voluntary schemes. The Employees' Provident Fund (EPF) is mandatory for employees earning up to ₹15,000 basic pay in eligible organizations, with both employer and employee contributing 12% of basic salary monthly. Beyond EPF, the Public Provident Fund (PPF) and National Pension System (NPS) are the two most popular voluntary options — PPF for its sovereign guarantee and tax-free maturity, NPS for market-linked growth and an additional ₹50,000 deduction under Section 80CCD(1B).

Gratuity is a separate statutory benefit paid by employers to employees who complete 5 or more years of continuous service, calculated as 15 days' wages for every completed year. For long-term, goal-linked savings — like a child's education — schemes like Sukanya Samriddhi Yojana (SSY) and NSC offer fixed, government-backed returns. Together, these schemes form the backbone of retirement planning for most Indian households.

Frequently Asked Questions

How much should I save for retirement in India?

A common rule of thumb is 25× your expected annual expenses at retirement (the '4% rule'). For someone spending ₹6 lakh/year today, that's roughly ₹1.5 crore in today's money — more once you adjust for inflation over your working years. Use the FIRE Calculator to model this against your actual savings rate.

Should I choose EPF, PPF, or NPS?

EPF is mandatory for most salaried employees and gives employer matching — always maximize it first. PPF is a good additional 80C option with sovereign-backed safety and tax-free returns, but has a 15-year lock-in. NPS adds market-linked growth and an extra ₹50,000 deduction under 80CCD(1B), but part of the corpus is mandatorily annuitized. Most people benefit from a mix of all three.

Is EPF interest taxable?

EPF interest is tax-free as long as your own contribution stays within ₹2.5 lakh per financial year (₹5 lakh if there's no employer contribution). Interest on contributions above that threshold is taxable at your slab rate.

What happens to my EPF if I switch jobs?

Your EPF account should be transferred to your new employer via the UAN (Universal Account Number) — it doesn't need to be withdrawn. Withdrawing before 5 years of continuous service (across employers, if transferred) can trigger tax on the employer contribution and interest portions.