Retirement calculators
A retirement projection is an assumption with arithmetic attached, and the assumption does far more work than the arithmetic. These tools show the rate they assumed and how much the answer moves when it is wrong, because a single confident number about forty years from now is the one thing nobody can honestly give you.
Retirement Corpus CalculatorThe retirement corpus that supports inflation-linked withdrawals for a stated number of years, and the monthly saving that builds it. The corpus is sized on the real return, not the nominal one.FIRE CalculatorThe portfolio that supports your expenses indefinitely, and how long it takes to build. The savings rate matters far more than the return, which is the finding that makes the whole idea work.NPS CalculatorNPS corpus and the pension it produces. The mandatory annuitisation of forty percent is the defining feature: that portion cannot be taken as cash and buys an annuity at whatever rate prevails then.NPS Annuity & Pension CalculatorWhat an NPS corpus produces as a pension, and what the lump sum you keep could produce alongside. The annuity rate is an insurer quote rather than a market return, and it is always the lower of the two.EPF CalculatorEmployee Provident Fund corpus at withdrawal, with the employer split shown honestly. Only about 3.67% of the employer's 12% reaches the fund; the rest goes to the pension scheme, and calculators that ignore that overstate a career by a third.EPF vs PPF ComparisonEPF against PPF over the same period. They are not alternatives: EPF carries an employer contribution and a higher rate, PPF is voluntary with a fixed limit, and most salaried people should hold both.VPF CalculatorVoluntary Provident Fund: contributing above the statutory twelve percent. The employer does not match the extra, so every additional rupee is entirely your own, earning the same declared rate.Pension Lump Sum vs Annuity CalculatorA pension lump sum against the annuity offered instead, compared on present value and on how long you would need to live for the annuity to win. The discount rate you assume decides the answer.Annuity Payout CalculatorAnnuity payouts against self-managed drawdown. An annuity buys certainty at the cost of return, and the return-of-purchase-price option costs about a percentage point of rate.