PPF, NPS & EPF calculator
See how steady yearly contributions could grow into a long-term corpus. Pick a scheme to set a typical rate, then adjust the figures to suit you.
This tool involves interest (riba) and is shared for educational and informational purposes only — it is not financial advice. Interest-based finance is not permissible in Islam; please consider Shariah-compliant alternatives.
How the corpus is estimated
P is the yearly contribution, r is the yearly rate as a decimal, and n is the number of years. Each year's deposit keeps earning until the end, and the growth is the corpus minus everything you contributed.
FAQs about PPF, NPS and EPF
What do PPF, NPS, and EPF mean?
PPF is the Public Provident Fund, a long-term government savings scheme. EPF is the Employees Provident Fund for salaried workers. NPS is the National Pension System, a retirement investment plan.
How does this calculator work?
It assumes you add a fixed amount each year that earns a steady yearly return, with each contribution growing until the end. The result is an estimated corpus, the total invested, and the growth.
What rate should I use?
PPF is often around 7.1% and EPF around 8.25%, both set by the government and revised periodically. NPS is market-linked, so its return varies. The figures here are only assumptions.
How long should I stay invested?
PPF has a 15-year term that can be extended. EPF and NPS usually run until retirement. Longer periods let compounding do more of the work.
Are the returns guaranteed?
PPF and EPF rates are declared by the government but can change. NPS depends on the market and is not fixed. Treat this estimate as a rough guide, not a promise.