EPF and NPS Combined Retirement Calculator

Model a combined EPF + long-term investing retirement strategy.

Planning assumptions

This EPF page is a planning estimator. You can edit the basic salary ratio, and EPF is calculated as 12% employee + 12% employer on basic salary. Actual payroll structure and statutory treatment may differ by employer policy.

Combined Retirement Strategy View

This combined model shows how EPF and NPS can work together for retirement planning. Use it to estimate integrated corpus before opening full retirement scenarios.

Inputs

Monthly salary (INR)

Basic salary % of monthly salary

Extra monthly VPF

Years to retirement

EPF annual return %

NPS monthly contribution

NPS annual return %

Advanced options

Salary growth %

Current EPF balance (optional)

Take-home (optional, for planner prefill)

Investment budget (optional)

FIRE monthly expenses (optional)

Outputs

Employee EPF / month₹6,000

Employer EPF / month₹6,000

Total employee deduction / month (EPF + VPF)₹11,000

Retirement contribution / month₹17,000

Projected EPF corpus at retirement₹1,78,42,336

Projected EPF corpus₹1,78,42,336

Projected NPS corpus₹37,96,844

Combined retirement corpus₹2,16,39,180

In-hand impact now is represented by employee EPF + VPF monthly deduction.

Open Retirement Planner with Prefill

Assumptions and Formula Notes

Basic salary ratio used = 50.0% of monthly salary.
Employee EPF = 12% of basic salary.
Employer EPF = 12% of basic salary.
EPF annual return assumption = 8.15%.
Salary growth assumption = 8.00%.

This is an estimate tool for planning. Please verify decisions against official EPFO records and professional advice.

What if you diversify?

EPF-only projected corpus: ₹1,78,42,336. For estimated retirement spending of ₹50,000/month, target corpus is around ₹2,10,00,000 (gap: ₹31,57,664).

Balanced Mix (EPF + NPS)

Add ₹5,000/month to NPS

Additional corpus vs EPF-only +₹37,96,844

Projected total corpus ₹2,16,39,180

Try EPF + NPS in Planner

Growth Mix (EPF + Equity SIP)

Add ₹8,000/month to equity SIP

Additional corpus vs EPF-only +₹79,14,043

Projected total corpus ₹2,57,56,379

Try EPF + Equity in Planner

Hybrid Mix (EPF + NPS + Equity)

Add ₹3,000/month NPS and ₹4,800/month equity

Additional corpus vs EPF-only +₹70,26,533

Projected total corpus ₹2,48,68,869

Try Hybrid Mix in Planner

Want to benchmark your salary context too? Check Peer Compare

Related EPF Calculators

Frequently Asked Questions

What does combined retirement show?

It adds projected EPF corpus and projected NPS corpus to show an integrated retirement number.

Can EPF and NPS have different rates?

Yes, each stream uses its own annual return input.

Is this enough for retirement planning?

It is a strong starting estimate; use the retirement planner for inflation and expense modeling.