Indian Pension & Retirement Calculator
Plan your retirement with EPF, NPS & Gratuity calculations
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Retirement Summary
30
₹0
₹0
₹0
₹0
25
₹0
📌 Important Notes
- EPF: Employee contributes 12%, employer contributes 12% of basic + DA
- NPS: Max tax benefit ₹2 lakh/year (Section 80C) + ₹50k additional (Section 80CCD(1B))
- Gratuity: Not calculated here; typically 15 days salary per year of service
- Inflation-adjusted: Results account for inflation at retirement
- This calculator provides estimates; consult a financial advisor for detailed planning
📐 Retirement Corpus Formula Pattern
TC
=
EPF
+
NPS
MP
=
0.6
×
TC
÷
(
12
×
RD
)
TC = total corpus at retirement
EPF = projected EPF balance
NPS = projected NPS balance
MP = estimated monthly pension
RD = retirement duration (years)
Uses projected contributions, growth rates, and retirement duration assumptions.
❓ Social Security FAQs
How is EPF projection calculated?+
EPF is projected using current balance plus annual contributions and expected annual EPF return until retirement age.
Why include inflation in retirement planning?+
Inflation reduces purchasing power over time. Including inflation gives a more realistic estimate of future expenses.
Is this an official pension estimate?+
No. This tool provides indicative planning values based on your inputs and assumptions, not official EPFO/NPS statements.
Can I improve monthly retirement income?+
Yes. Increasing annual contributions, delaying retirement, and improving return assumptions can increase projected pension.