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EPF & NPS projections

Retirement Calculator

Projects your EPF maturity corpus and, separately, your NPS corpus if you contribute to one — two different systems with different rules, shown side by side.

These are projections, not promises. EPF's interest rate is set annually by EPFO and can change — this uses the last declared rate. NPS returns are market-linked estimates based on the return rate you enter, not a guaranteed outcome. Both assume your contribution amount stays constant every year, which real salaries and investments rarely do.

EPF maturity

Full withdrawal is available from age 58.

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EPF Maturity

RETIREMENT PROJECTION
Total contributions (you + employer) ₹0
Interest growth ₹0
Years to retirement 0 years

PROJECTED EPF CORPUS

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Uses EPFO's last declared rate: 8.25% p.a. (FY 2025-26 — FY 2026-27 not yet announced).

PROJECTED

Excludes the employer's 8.33% EPS contribution — that funds a separate pension, not your withdrawable EPF balance. Compounded annually; assumes your Basic stays constant, which real salaries rarely do.

NPS maturity

Maturity is at age 60; at least 40% of the corpus must go toward an annuity at that point, not a full lump-sum withdrawal.

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NPS returns are market-linked, not fixed — 10% is a commonly used planning assumption, not a promise. Adjust it to your own expectation.

NPS Maturity

RETIREMENT PROJECTION
Total contributions ₹0
Estimated growth ₹0
Years to retirement 0 years

PROJECTED NPS CORPUS

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Assumes a constant 10% annual return — market-linked, not guaranteed.

PROJECTED

Monthly contributions compounded at the return rate above. Real NPS returns vary year to year depending on the funds you choose — this is a single constant-rate estimate for planning, not a forecast.

Frequently asked questions

Why doesn't the EPF corpus include the full 12% employer contribution?

Of your employer's 12%, only 3.67% goes into your EPF account and earns interest. The remaining 8.33% funds the Employees' Pension Scheme (EPS) — a separate account that doesn't earn interest and instead builds toward a monthly pension after age 58, not a lump sum at maturity.

Is the EPF interest rate fixed for the rest of my career?

No. EPFO's Central Board of Trustees reviews and (re)declares the EPF interest rate every financial year. It's been 8.25% for three years running as of FY 2025-26, but it has changed before and can change again — this calculator uses the last officially declared rate as a starting assumption, not a locked-in promise.

Why do I have to enter a return rate for NPS but not for EPF?

EPF pays a single declared interest rate that applies to everyone's balance. NPS returns depend on the specific funds and asset allocation (equity/corporate bonds/government securities) you choose within your NPS account, so there's no single official rate — you have to supply your own planning assumption.