Retirement Planning Calculator NPS vs Mutual Funds vs PPF
Retirement Planning Calculator: NPS vs Mutual Funds vs PPF
Retirement Wealth Intelligence
Advanced Corpus Projection & Step-Up SIP Planner for Professionals
Quick Start Guide:
- Enter your current age and desired retirement age to calculate your tenure.
- Input your starting Monthly SIP. Use the Step-Up % to mirror annual salary hikes.
- Toggle Inflation to see the true purchasing power of your future wealth.
- Export your custom report to PDF or Excel for detailed analysis.
⚙️ Strategy Parameters
Increase your SIP by this percentage every 12 months.
📊 Wealth Projection Dashboard
💡 Smart Comparison Engine
Assessing...
| Asset Class | ROI | Tax Benefit | Est. Corpus |
|---|
Mathematical Logic & Formulas
This calculator utilizes the Future Value of an Increasing Annuity Due formula, compounding monthly.
FV = P * [ ((1+r)^n - 1) / r ] * (1+r)
For inflation adjustment, we discount the final corpus back to today's purchasing power: Corpus / (1 + Inflation Rate)^Years.
Taxation Guide (Indian Context)
- Equity Mutual Funds: LTCG over ₹1.25 Lakh taxed at 12.5% without indexation.
- NPS (Tier I): ₹1.5L (80C) + additional ₹50,000 (80CCD(1B)).
- EPF/PPF: EEE (Exempt-Exempt-Exempt) category.
