The Employee Provident Fund (EPF) and the National Pension System (NPS) are two of the most important retirement savings instruments available in India. EPF, managed by the EPFO, requires both employer and employee contributions at 12 percent of basic salary, offering a government-guaranteed interest rate that is compounded annually. NPS is a market-linked pension scheme regulated by PFRDA that gives you flexibility to choose between equity and debt allocations.

Our EPF and NPS calculator helps you estimate the corpus you can accumulate by the time you retire. Enter your current age, monthly contribution, expected interest or return rate, and retirement age to see a detailed projection of your savings growth. Planning early allows the power of compounding to work in your favour, and this tool makes it easy to compare both schemes side by side.