Retirement planner
EPF, NPS, and PPF contributions flow from your calculator settings (standard template, ₹18,00,000 CTC); add your horizon, expenses, and SIP below. Projections use configured assumptions and are estimates, not guarantees.
Your plan
Ages, spending, and voluntary investing.
Corpus at 60
₹14,29,13,080
≈ ₹2,48,82,615 in today's money
Required corpus (4% withdrawal)
₹13,78,43,787
surplus ₹50,69,293
Corpus growth by instrument
Instruments
- Employees' Provident Fund @ 8.25% · ₹1,95,75,343 contributed₹5,45,71,836
- Mutual fund SIP @ 12% · ₹1,97,39,286 contributed₹8,83,41,244
Assumptions: EPF 8.25%, PPF 7.1%, NPS 10%, SIP 12%, inflation 6%, salary growth 8%. The employer's full 12% is projected into EPF; the EPS diversion is not modeled. Market returns are expectations, not promises.