Quick Summary: VPF vs NPS Comparator

The VPF vs NPS Comparator evaluates two powerful retirement tools. VPF offers a guaranteed 8.25% return (EEE) in FY 2026-27, while NPS provides market-linked equity upside and an additional ₹50,000 tax deduction under 80CCD(1B) for old regime taxpayers.

How to use the VPF vs NPS Comparator

  1. Enter Salary Details

    Input your basic pay and current EPF/NPS contributions.

  2. Set Investment Amount

    Enter the additional amount you wish to contribute to either VPF or NPS.

  3. Compare Returns

    Review the projected maturity corpus based on historical 8.25% PF rates vs 10-12% NPS returns.

  4. Analyze Tax Benefit

    See the impact on your net take-home pay under both Old and New tax regimes.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.