Complete calculator with step-up, Tier-II, tax savings, PPF/SIP/EPF comparison & inflation-adjusted real pension
₹0
₹0/mo
₹0/mo
₹0
₹0
Estimated tax saved
₹0
Additional NPS benefit
₹0
Tax-free under 80CCD(2)
Note: Tax savings are estimates based on your selected tax bracket. Actual savings depend on total taxable income and applicable deductions. Consult a tax advisor for personalized advice.
| Option | Final Corpus | Monthly (Nominal) | Monthly (Today's ₹) | Tax Saved |
|---|---|---|---|---|
| Your NPS | ₹0 | ₹0 | ₹0 | ₹0 |
| Same ₹ in PPF | ₹0 | — | ₹0 | Tax-free |
| Same ₹ in SIP | ₹0 | — | ₹0 | LTCG applies |
| Same ₹ in EPF | ₹0 | — | ₹0 | Tax-free |
Comparison assumes same monthly contribution across all options with applicable step-up rates. PPF and EPF are tax-free at maturity. SIP subject to LTCG tax.
100% Browser-based calculations: All your financial data (age, salary, contributions) stays in your browser. Nothing is sent to our servers.
Optional analytics: We use Google Analytics (with IP anonymization) only if you consent. This helps us improve the tool. Your calculation data is never included in analytics.
Ads support: We show Google AdSense ads to keep this tool free. Ads are contextual and don't use your calculation data.