NPS vs PPF vs EPF Calculator — Quick Reference
The NPS vs PPF vs EPF Calculator is an online tool that compare retirement corpus from NPS, PPF, and EPF with the same contribution horizon until retirement. Everything for the NPS vs PPF vs EPF Calculator is on this page: the interactive calculator, the formula, a worked example, step-by-step guidance, and frequently asked questions — no other pages required.
At a glance
- Main inputs
- Current age
- Retirement age
- Monthly expenses or contributions
- Main outputs
- Corpus required
- Monthly savings needed
- Projected balance
Direct answers
What is the NPS vs PPF vs EPF Calculator?
The NPS vs PPF vs EPF Calculator is an online tool that compare retirement corpus from NPS, PPF, and EPF with the same contribution horizon until retirement.
What formula does the NPS vs PPF vs EPF Calculator use?
NPS and EPF corpus from monthly compounding
How does the NPS vs PPF vs EPF Calculator work?
Enter monthly contribution, rates, age, and employer EPF match. NPS and EPF use monthly compounding; PPF uses yearly deposits up to your chosen amount.
Formula Used
The rule below is what this calculator applies. Variable definitions follow when symbols are used.
Equation
NPS and EPF corpus from monthly compounding
Additional rules
- PPF from yearly deposits
- all projected to the same retirement horizon
Worked Example: ₹5,000/month across NPS, PPF, and EPF for 20 years
Sample inputs and the results this calculator produces for the scenario below.
Inputs
- Monthly Contribution
- $5,000
- NPS Return Assumption
- 10% p.a.
- PPF/EPF Rate
- 7–8% p.a.
Results
- Highest corpus potential
- NPS (market-linked)
- Most tax-efficient fixed
- PPF (EEE in India)
EPF is employer-matched for salaried workers. NPS adds equity exposure with mandatory annuity at maturity.
How NPS vs PPF vs EPF Calculator Works
Enter monthly contribution, rates, age, and employer EPF match. NPS and EPF use monthly compounding; PPF uses yearly deposits up to your chosen amount.
What to enter
Use the calculator above to set your amounts, rates, and tenure. Results update as you move sliders or type values — switch currency if you are planning in USD, INR, or another supported unit.
Step-by-step
- Open the NPS vs PPF vs EPF Calculator and enter your amounts, rates, and time period in the input fields.
- Review the results panel — totals update instantly when you change any value.
- Compare the worked example and formula below to verify the math matches your scenario.
- Read the FAQs for common edge cases, tax notes, and planning tips specific to this calculator.
NPS vs PPF vs EPF — Frequently Asked Questions
Each question is answered directly below. Expand any item for the full response.
What is the core difference between NPS, PPF, and EPF?
EPF is employer-linked retirement saving for eligible employees, PPF is an individual long-term government-backed savings product, and NPS is a retirement vehicle with market-linked exposure and annuity rules at exit. They overlap in purpose but differ on access, return profile, and tax structure.
Which one should salaried employees usually prioritize first?
EPF often comes first because it is tied to salary and usually includes employer contribution. After that, the choice between PPF and NPS depends on whether you value liquidity and simplicity more or want an additional retirement-focused tax bucket with market exposure.
How do tax deductions differ?
EPF and PPF generally fit within the Section 80C framework, while NPS can offer both the regular Section 80CCD(1) treatment and the additional Rs. 50,000 deduction under Section 80CCD(1B), subject to rules. That extra bucket is one reason NPS remains popular despite the lock-in.
When is PPF stronger than NPS?
PPF is stronger when you want simplicity, sovereign backing, and no equity volatility in that portion of your portfolio. NPS is stronger when you are comfortable with a retirement lock-in and want market-linked growth potential with tax support.
Disclaimer
- This calculator gives you an estimate only. It is not a promise of exact results.
- This is general information, not personal financial, tax, or legal advice.
- You are responsible for your own decisions. Talk to a qualified professional when it matters.
- Pension and retirement rules vary by country and employer. Plans can change over time.
- Indian tax and government scheme rules can change each financial year. Please confirm with official sources or a chartered accountant (CA).