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Retirement
Understand retirement contributions, corpus projections, annuity assumptions and how to interpret calculator estimates.
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NPS Explained: Contributions, Retirement Corpus and Annuity
How NPS contributions build a projected retirement corpus, how the calculator allocates lump sum and annuity, and where current rules and assumptions matter.
9 min read
Guide
How the NPS Calculator Builds Your Retirement Corpus
How current corpus, beginning-of-month contributions, monthly compounding and annual contribution increases produce the projected NPS corpus.
7 min read
Guide
NPS Lump Sum and Annuity: How the Calculator Splits the Corpus
How the calculator allocates a projected NPS corpus, estimates annuity income, and differs from category- and corpus-dependent exit rules.
8 min read
Guide
Why the NPS Calculator Is Not an Actual Pension Quote
Why constant returns, contribution schedules, allocation controls and an assumed annuity rate cannot reproduce an actual NPS account or pension quote.
7 min read
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EPF Explained: Employee Contributions, Employer Share and Balance Growth
Understand employee EPF, the employer EPF and EPS allocation, projected balance growth, and why a calculator differs from EPFO accounting.
8 min read
Guide
How EPF Contributions Are Calculated: Employee, Employer and EPS Shares
How the calculator separates employee EPF, total employer contribution, employer EPF and an optional ceiling-based EPS diversion.
8 min read
Guide
Why an EPF Calculator Projection May Differ From Your Actual Balance
Understand the constant-rate monthly projection convention and why payroll timing, EPFO interest crediting and account events can produce different balances.
7 min read
Gratuity
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Gratuity Explained: Wage, Service, Eligibility and Statutory Limit
Understand the ordinary gratuity formula, counted service, statutory ceiling, eligibility boundary and calculator limitations.
8 min read
Guide
How Gratuity Is Calculated: The 15/26 Formula and Service Rounding
See how eligible monthly wage, the 15/26 factor, service rounding and the statutory ceiling shape an ordinary gratuity estimate.
7 min read
Guide
Why a Gratuity Calculator May Differ From Employer Settlement
Understand why wage definitions, service records, special cases, better benefit terms and accounting can change an employer settlement.
6 min read
Guide
Gratuity Eligibility: Five-Year Rule and Exceptions
Understand the general continuous-service rule, death and disablement exceptions, fixed-term context, and the calculator's eligibility limits.
7 min read