NPS vs EPF vs PPF Comparator
Project the same annual contribution across NPS, EPF, and PPF so the long-term size and tax trade-off are easier to compare.
Problem
Retirement products differ on return assumptions, tax treatment, and lock-in, which makes apples-to-apples comparison hard.
Promise
Compare retirement contributions across NPS, EPF, and PPF with maturity value and modeled tax benefit.
Trust note
No login. The estimate runs in the browser and keeps the assumptions visible.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
Contribution plan
Growth assumptions
Main answer
₹1,21,57,573
NPS produces the largest modeled maturity value in this scenario, but the tax and lock-in trade-offs still matter.
The tool assumes ₹1,80,000 is contributed every year for 20 years.
NPS
₹1.2Cr
₹15,000 of modeled annual tax benefit.
EPF
₹91.1L
₹45,000 of modeled annual tax benefit.
PPF
₹79.1L
₹45,000 of modeled annual tax benefit.
Retirement instrument comparison
Top maturity value
₹1.2Cr
NPS under the entered assumptions.
Top annual tax break
₹45,000
Common deduction-cap simplification used for this planning view.
Contribution horizon
20 years
Long horizons amplify return differences between products.
How to read this tool
This is a planning model, not a final quote. Use it to understand the direction and size of the trade-off before committing.
Adjust the inputs to test optimistic and conservative scenarios instead of relying on one default answer.
Why the result leans this way
Contribution discipline matters most
Choosing and staying invested usually matters more than trying to optimize the last decimal of return.
Tax benefit is only one layer
Withdrawal rules, employer contributions, and lock-in flexibility can easily dominate the raw tax advantage.
Assumptions and sources
Planning scope
This tool is meant for scenario planning. Quotes, taxes, policy terms, and personal preferences can change the final decision.
Effective from 2026-04-01
Tax benefit model
The tax-benefit output is a planning simplification based on common deduction caps rather than a full payroll or withdrawal model.
Effective from 2026-04-01
Frequently asked questions
Does the comparator decide which instrument is best?
No. It shows the size and tax trade-off. Lock-in, employer matching, and retirement flexibility still matter to the final choice.
How should I use the nps vs epf vs ppf comparator result?
Run it with conservative and aggressive assumptions. If the conclusion survives both cases, the decision is usually more robust.
What can change the real outcome?
Taxes, policy rules, employer terms, personal behavior, and financing costs can all move the final result away from the estimate.
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