Retirement
Understand retirement contributions, corpus projections, annuity assumptions and how to interpret calculator estimates.
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
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
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
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
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
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
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