Project what your monthly EPF, NPS or PPF contributions could grow to by retirement at an interest rate or return you choose.
How to use it. Enter the balance you already hold, the total that goes into the account each month and the number of years until you retire. For EPF, the monthly figure is your 12% of basic pay plus dearness allowance plus the employer's share that goes to EPF (3.67% of wages when the employer pays 8.33% into EPS). For NPS, enter your contribution plus any employer contribution. For PPF, enter your monthly deposit (the yearly cap is ₹1.5 lakh).
Rate. The default 8.25% is the EPF rate declared for 2023-24, 2024-25 and 2025-26. It is not guaranteed for later years. The PPF rate was 7.1% for October–December 2026. NPS has no declared rate: try several assumptions, for example 8% and 10% for an equity-heavy mix, and remember that past returns do not predict future ones.
Formula. Monthly compounding: each month, balance = balance × (1 + rate ÷ 12) + contribution. EPF actually credits interest once a year on the monthly running balance, so the real figure differs slightly.
Worked example (illustrative). ₹3,00,000 already saved plus ₹6,000 a month for 25 years at 8.25% gives a corpus of roughly ₹83 lakh, of which ₹21 lakh is money paid in.
Limits. Salary increases are not modelled; rerun the tool every year with your new contribution. Inflation is ignored, so divide the result by about 2 for every 10–12 years to see today's purchasing power at 6–7% inflation. See the retirement corpus guide.
Pension rules, charges and 2026 changes
How much goes into your EPF and EPS each month in 2026, what the higher ₹25,000 wage ceiling changes, and how to read the split on your salary slip.
Pension calculations and checklists
A worked EPF projection with 12% contributions, the employer split, salary growth and 8.25% interest, plus the cost of withdrawing PF early and how to rerun it yourself.
Pension rules, charges and 2026 changes
Which pension schemes apply to you in 2026, how each one pays out, and the rule changes of 2025–26 you should know before you plan retirement income.
Mistakes, grievances and official sources
What happens to your PF and EPS when you change jobs, how to transfer online, merge duplicate UANs, fix a missing exit date, and why transferring beats withdrawing.
Pension rules, charges and 2026 changes
How NPS accounts work in 2026: who can join, Tier I versus Tier II, active and auto choice, fund managers, minimum contributions and how to open or move an account.
Pension calculations and checklists
How NPS Vatsalya works after the January 2026 guidelines: who can open it, minimum contribution, partial withdrawals, options at 18, and what a small monthly amount could grow to.
