GPF: 7.1% | Govt NPS: 14%

GPF & NPS Wealth Calculator

Model General Provident Fund (GPF) compounding at 7.1% interest and simulate National Pension System (NPS) corpus accumulation with 60% tax-free lump sum and monthly annuity pension.

Provident & Pension Wealth Forecaster

Select your savings scheme to model future accumulation and retirement corpus

Accumulation & Maturity Forecast

GPF Compounding
Final Accumulated GPF Balance ₹0 Includes total monthly subscriptions plus compound interest
Total Interest Earned ₹0
Total Principal ₹0
Compound Gain ₹0
Monthly Flow ₹0
Return Rate 7.1%

Government Contribution

Under NPS, Central Government contributes 14% of (Basic + DA) monthly, which is 40% higher than the employee's mandatory 10% deduction.

View Pension & Commutation Rules

GPF vs. NPS: Key Statutory Rules & Taxation Comparison

Permanent Central Government employees appointed prior to January 1, 2004 participate in the General Provident Fund (GPF), while those appointed on or after that date are covered by the National Pension System (NPS).

Taxability at Maturity

GPF withdrawals upon retirement are 100% tax-free under Section 10(11). For NPS, up to 60% of the accumulated corpus can be withdrawn tax-free under Section 10(12A), while the remaining 40% annuity yields taxable monthly pension.