EPF vs PPF vs NPS Calculator
Compare three India’s biggest retirement tools side-by-side: Employee Provident Fund, Public Provident Fund, and National Pension System. Same annual contribution, same horizon — see which builds the biggest corpus and delivers the highest post-tax value.
Methodology. All three: annual compounding. EPF: employer + employee 12% of basic, assumed here = full contribution; full maturity tax-free. PPF: voluntary contribution up to ₹1.5L/year, 15-year lock-in, full maturity tax-free. NPS: Tier-1 auto-choice lifecycle fund (equity-heavy when young), 60% tax-free lumpsum + 40% mandatory annuity at retirement. EPF & PPF are sovereign-backed (lower risk); NPS has equity exposure (higher expected return, higher variability). Tax-deduction equivalence: all three get ₹1.5L 80C + NPS gets additional ₹50K 80CCD(1B) = ₹2L total. Rates are government-set and revised periodically.