Retirement & Savings Calculators

Plan your corpus — PPF, NPS, EPF, FD, RD and FIRE

Retirement planning in India means juggling multiple instruments — each with different tax treatment, liquidity, and guaranteed vs market-linked returns. Our savings and retirement calculators cover every major scheme so you can make informed decisions about where to put your money.

Public Provident Fund (PPF) is the gold standard of safe, tax-free long-term savings. Our PPF calculator computes maturity value at the current 7.1% p.a. government rate, accounting for annual contributions and the 15-year lock-in (extendable in 5-year blocks). The National Savings Certificate (NSC) calculator covers the 5-year guaranteed instrument at 7.7% p.a. with Section 80C benefit.

NPS (National Pension System) offers the best tax deal for salaried employees: up to ₹1.5 lakh under 80CCD(1) plus an additional ₹50,000 under 80CCD(1B) that no other instrument offers. The NPS calculator estimates both your lump-sum corpus at 60 and the monthly annuity you can expect. EPF is mandatory for most salaried employees — the EPF calculator shows your growing corpus at the current 8.15% rate over your remaining working years.

For risk-free deposit products, the FD calculator handles quarterly, monthly and annual compounding for any bank rate. The RD calculator covers monthly recurring deposits with the same flexibility. Both show maturity value and interest earned so you can compare returns across banks instantly.

The FIRE calculator is for those who want to retire early. It computes your retirement corpus using the 4% safe withdrawal rule, the monthly SIP needed to reach it, and your FIRE date — the month you can actually stop working.

All Retirement & Savings Calculators (7)

PPF Calculator

Calculate Public Provident Fund maturity amount with yearly deposits at the current 7.1% PA interest rate.

NSC Calculator

Calculate National Savings Certificate maturity value at the current 7.7% per annum interest rate for 5-year tenure.

NPS Calculator

Estimate your National Pension Scheme corpus and monthly pension at retirement based on contributions and returns.

EPF Calculator

Calculate your Employee Provident Fund corpus at retirement based on salary, contribution rate and years of service.

FD Calculator

Calculate Fixed Deposit maturity amount and interest earned for any compounding frequency and tenure.

RD Calculator

Calculate Recurring Deposit maturity amount with monthly deposits at bank or post office interest rates.

Retirement / FIRE

NEW

Calculate the corpus needed to retire and live off investments. Plan your Financial Independence, Retire Early goal.

Frequently Asked Questions

PPF vs NPS — which is better for retirement?

PPF gives guaranteed 7.1% tax-free returns with full flexibility on amount (up to ₹1.5L/year). NPS can deliver 10–12%+ in equity allocation but 40% of the corpus is locked into an annuity at retirement. For most salaried employees, both together give the best outcome: max PPF for the guaranteed floor, use NPS for the extra ₹50,000 80CCD(1B) deduction.

How is EPF interest calculated?

EPF interest is calculated on the monthly running balance, but credited annually. The current rate is 8.15% p.a. for FY 2023-24. Both employee (12% of basic) and employer contributions (8.33% to EPS, 3.67% to EPF) earn interest. The EPF calculator shows your projected balance at every year until retirement.

What corpus do I need to retire early (FIRE)?

The 4% rule says your corpus should be 25× your annual expenses. So if you need ₹60,000/month in retirement, your corpus target is ₹60,000 × 12 × 25 = ₹1.8 crore. The FIRE calculator does this math plus shows the monthly SIP needed to reach it by your target date.