Retirement & Pension Calculators
Calculate annuity, annuity payout and EPF and other retirement & pension calculations.
All Retirement & Pension Calculators
Retirement & Pension Guides
Closing the Gap Between Your Projected and Required Retirement Corpus
Comparing what you're on track to save against what you'll actually need reveals a real shortfall — and a goal-based SIP calculation, using that exact gap as its target, shows the additional monthly investment needed to close it.
Read guideEPF vs NPS vs PPF: Comparing India's Three Big Retirement Savings Options
EPF is mandatory and employer-matched with a government-set 8.25% rate, NPS is voluntary and market-linked with the highest long-run growth potential but a locked-in annuity requirement, and PPF is voluntary and fully guaranteed with tax-free (EEE) returns — they solve different problems, so most salaried savers end up using more than one rather than picking just one.
Read guideHow Much Retirement Corpus You Actually Need
The corpus you need for retirement is sized backward from your desired monthly expense — inflated forward to your retirement date, then converted into a lump sum using the real (inflation-adjusted) rate of return over your expected retirement years.
Read guideHow Your Projected Retirement Corpus Is Calculated
A retirement projection combines two separate growth streams — your current savings compounding on their own, and your future monthly contributions growing via the same formula as a SIP — added together into one total corpus.
Read guideNPS Tax Benefit Explained: The Extra ₹50,000 Deduction Under Section 80CCD(1B)
NPS is the only common retirement investment offering a tax deduction beyond the ₹1.5 lakh Section 80C limit — up to ₹50,000/year more under Section 80CCD(1B) — but the actual rupee value of that deduction depends entirely on your tax slab, and it's available only under the old tax regime.
Read guide