EPF vs NPS Calculator

Use EPF as a base and compare with additional retirement investing.

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.

EPF vs NPS Decision Context

Use this comparison to evaluate corpus outcomes under different expected returns and monthly allocations. It helps frame risk-return trade-offs, not investment advice.

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₹4,800

Employer EPF / month₹4,800

Total employee deduction / month (EPF + VPF)₹7,800

Retirement contribution / month₹12,600

Projected EPF corpus at retirement₹1,32,24,320

Projected EPF corpus₹1,32,24,320

Projected NPS corpus₹30,37,475

Difference (NPS - EPF)₹-1,01,86,845

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: ₹1,32,24,320. For estimated retirement spending of ₹40,000/month, target corpus is around ₹1,68,00,000 (gap: ₹35,75,680).

Balanced Mix (EPF + NPS)

Add ₹4,000/month to NPS

Additional corpus vs EPF-only +₹30,37,475

Projected total corpus ₹1,62,61,795

Try EPF + NPS in Planner

Growth Mix (EPF + Equity SIP)

Add ₹6,400/month to equity SIP

Additional corpus vs EPF-only +₹63,31,234

Projected total corpus ₹1,95,55,554

Try EPF + Equity in Planner

Hybrid Mix (EPF + NPS + Equity)

Add ₹2,400/month NPS and ₹3,840/month equity

Additional corpus vs EPF-only +₹56,21,226

Projected total corpus ₹1,88,45,546

Try Hybrid Mix in Planner

Want to benchmark your salary context too? Check Peer Compare

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Frequently Asked Questions

What does EPF vs NPS compare here?

It compares projected EPF corpus versus projected NPS corpus over the same horizon with separate return assumptions.

Can I set different return rates?

Yes. EPF and NPS return assumptions are configurable so you can test scenarios.

Does this decide which is better?

No. It quantifies outcomes; decision depends on risk appetite, liquidity, and tax preferences.