Enter the posted EPF balance and employee and employer monthly credits above, in whole rupees (0 for none). Employer credit must exclude EPS pension contributions.

Access depends on employment history and the withdrawal route. Confirm eligibility with your provider; this calculator does not establish it. A claim application is not the date cash arrives. Receipt uses the first day of the chosen month, on or after the earliest access date.

Use the opening balance for the plan's calculation month. For April, include the prior year's interest in the balance and enter 0 as unposted interest. Credits stop at retirement, receipt or your supplied stop month, whichever comes first. Leaving the interest stop blank assumes interest continues until receipt; confirm inoperative-account or opt-out restrictions.

The saved rate stays constant. Estimated net proceeds subtract your supplied deductions; this is not a tax calculation or settlement quote. No partial withdrawals or EPS pension are modeled. Proceeds received before retirement remain earmarked cash with zero growth. Working-longer previews keep these supplied account dates; update them if your employment or access assumptions change.

Use the account value at the start of the calculation month and your monthly contribution above (0 for none). The allocation's saved return is a constant estimate after fees, not an official guaranteed return.

Confirm your scheme category and service history with the provider, especially for a government-controlled corporate employer. A fifteen-year subscription route applies to eligible individual schemes; employment schemes use their applicable retirement or age rules. Month-based access starts on the first month on or after the relevant date. Contributions stop at retirement, your stop month or exit, whichever comes first.

The chosen option is checked against projected wealth at exit. Actual eligibility and amounts can change. The six-year alternative models equal units redeemed monthly, beginning one month after exit; values vary with the saved return. Supplied deductions are estimates, not a tax calculation.

Use a provider quote or an explicit planning estimate. Leave this off when unknown; buying an annuity does not itself add spendable capital or an assumed pension. Do not also enter this pension as another income source.

Net receipts before retirement remain earmarked cash with zero growth. Annuity income is modeled through the plan's age-90 horizon, with no assumed return of purchase price or survivor benefit. Working-longer previews retain your account dates and pension estimate; update the quote if the purchase or terms change. This method does not cover Tier-II, NPS-Lite, Vatsalya, special-purpose schemes, death/disability claims or partial withdrawals.

Use the posted balance at the start of the plan's calculation month in Current Balance above. Enter interest not yet posted separately.

This account's deposits stop at retirement or confirmed maturity, whichever comes first. A future extension is not assumed. Annual Contribution above follows the monthly deposit. The other annual deposits amount alone does not establish an account balance or a household payment.

Closure uses the first day of the selected month and must follow maturity. If it is before retirement, proceeds remain reserved as cash with no assumed growth. New accounts need the opening deposit; discontinued accounts need revival before further deposits can be modeled. Confirm accrued interest with your provider if your statement does not show it.

For a new account, the first monthly deposit is made on its opening date. This projection assumes no outstanding PPF loan or other withdrawals before closure, and keeps the saved PPF interest rate constant.

Additional PPF accounts (optional)

Add complete facts for accounts sharing the limit above. Their monthly deposits must match that other annual amount. Household-paid deposits use your budget through their chosen stop month, including after retirement. Only household-owned proceeds explicitly reserved for retirement reduce its target. Projections assume these deposits are funded; the household payment check tests actual funding. Keep these balances separate from savings entered elsewhere.