Projection assumptions and sources

You can add account dates and payout details to your plan. Dated EPF and PPF estimates follow financial-year interest timing and the deposit details you supply. Dated NPS estimates use your sector, joining history, exit route and payout choice. Dated gratuity uses either the supported service-and-wage estimate or an employer amount you enter.

These details separate the account balance, any deductions, the month cash becomes available and later income. An annuity purchase is not spendable cash, and the planner does not invent pension income without an estimate from you. Eligibility, provider terms and estimated deductions still need your review.

Without account dates, new plans use simplified estimates: monthly EPF and NPS deposits, with EPF interest added after each twelve-month planning period and NPS using an effective monthly return. PPF deposits are assumed at the start of each planning year. An account can start at zero with planned deposits. These rolling-year estimates are not a fiscal-year passbook calculation.

Older plans retain the original method, which gives all EPF and NPS contributions a full year's growth. You can explicitly change the deposit method in Global Assumptions. An ordinary edit or reset keeps the plan's captured method. Enter only the employer amount credited to EPF; an EPS pension contribution is not an EPF balance.

The undated estimate stops EPF projection at age 58 and NPS at age 60, or the chosen retirement age if earlier, and uses the plan's captured NPS split, initially 60% lump sum and 40% annuity. That split is a model assumption, not a universal withdrawal rule. Adding dates and reviewing the result lets you plan with the supported account-specific choices; it does not authorize a withdrawal.

New plans show the total retirement target, projected account capital, and the amount to fund with other savings separately. A planned bequest increases the total target before account estimates are deducted. The retirement simulation includes both that savings target and projected account capital, even when accounts cover the entire target.

The target-based simulation assumes the required starting savings are available. Without account dates, it also assumes the included account money is available at retirement. With dated account details, only available cash joins starting savings; later net receipts and supplied income follow their recorded months. A later payout cannot erase spending missed before it arrived.

The household funding review is a separate check of the supplied income, spending, accounts and goal payments. It tracks the money that can actually be funded under those inputs and records shortfalls. Read it alongside the savings schedule and retirement simulation: a target or a successful simulation does not prove you will reach the target or leave the intended bequest.

Older saved plans retain their original calculation. Choose “Updated total retirement funding” in Global Assumptions to preview and save the correction. Reset returns to the method captured when the plan was created; previous versions remain available in plan history.