Employee Provident Fund (EPF) Calculator

Calculate your EPF corpus with employee and employer contributions. Plan your retirement with detailed breakdown and visual charts.

Employee Provident Fund (EPF) Calculator

About This Calculator

Employee Provident Fund (EPF) is a retirement savings scheme where both employee and employer contribute 12% of the basic salary. The fund earns interest and provides a lump sum at retirement.

Our EPF calculator helps you estimate your retirement corpus based on your current salary, age, and expected retirement age. It includes both employee and employer contributions.

EPF Key Features:

  • Contribution Rate: 12% employee + 12% employer
  • Interest Rate: Currently 8.15% per annum
  • Tax Benefits: Employee contribution eligible for 80C deduction
  • Withdrawal: Partial withdrawal allowed after 5 years
  • Loan Facility: Available for specific purposes

EPF Benefits:

  • Guaranteed Returns: Government-backed interest rates
  • Tax-free Maturity: No tax on withdrawal after 5 years
  • Employer Contribution: Additional 12% from employer
  • Nomination: Facility to nominate beneficiaries
  • Portability: Transferable between jobs

Features:

  • Calculate EPF corpus at retirement
  • Separate employee and employer contribution tracking
  • Visual growth chart over time
  • Yearly breakdown analysis
  • Shareable calculation links
--- NPS Calculator - National Pension System Calculator | Calculy

National Pension System (NPS) Calculator

Calculate your NPS corpus, lump sum withdrawal, and monthly pension. Plan your retirement with tax benefits and professional fund management.

National Pension System (NPS) Calculator

About This Calculator

National Pension System (NPS) is a government-sponsored pension scheme that provides retirement income through a combination of lump sum withdrawal and monthly pension.

Our NPS calculator helps you plan your retirement by calculating the corpus, lump sum withdrawal (60%), and monthly pension from annuity (40%).

NPS Key Features:

  • Investment Options: Equity, Corporate Bonds, Government Securities
  • Fund Managers: Professional fund management
  • Withdrawal: 60% lump sum + 40% annuity at maturity
  • Partial Withdrawal: Allowed after 3 years for specific purposes
  • Tax Benefits: Additional deduction under Section 80CCD(1B)

NPS Benefits:

  • Market-linked Returns: Potential for higher returns
  • Low Cost: Minimal fund management charges
  • Flexibility: Choice of investment options and fund managers
  • Portability: Transferable across jobs and locations
  • Government Support: Co-contribution for government employees

Features:

  • Calculate NPS corpus and pension
  • Lump sum and annuity breakdown
  • Tax savings calculation
  • Visual growth projection
  • Shareable calculation links