India Retirement Calculator
Project your retirement savings balance at retirement based on your current balance, monthly contributions and expected return.
Projected Balance at Retirement
₹82,59,798
- Total contributions
- ₹19,20,000
- Total growth
- ₹62,39,798
Assumptions
- Constant contribution and return rate every year
- Models a combined EPF/PPF/NPS-style contribution, not any one scheme's specific rules
How it's calculated
Future value = principal × (1+r)^n + contribution × ((1+r)^n − 1) / r, compounded monthly.
Worked example
Starting at ₹1,00,000 with ₹5,000/month contributions at a 7.1% return over decades grows substantially, shown live above.
Frequently asked questions
Does this model PPF's specific interest rate rules?
No — this is a simplified generic projection. PPF, EPF and NPS each have their own specific rate-setting and withdrawal rules.