PPF vs NPS vs FD Calculator

Is PPF better than FD?

PPF can be better for long-term tax-saving savings when you are comfortable with a 15-year lock-in and the annual contribution limit. FD can be better for shorter goals, predictable tenure, or easier liquidity, but FD interest is generally taxable.

Is NPS better than PPF?

NPS may suit retirement-focused investors who can accept market-linked returns and annuity rules. PPF may suit conservative savers who prefer a government-backed long-term savings structure. The better choice depends on risk comfort, retirement goal, liquidity need, and tax situation.

Which gives higher returns: PPF, NPS, or FD?

NPS can show a higher estimated corpus in long-term projections because it is market-linked, but returns are not guaranteed. PPF and FD are usually more predictable, though rates can change for future periods or deposits.

Can I invest in PPF, NPS, and FD together?

Yes. Many users treat them as different buckets: PPF for conservative long-term savings, NPS for retirement accumulation, and FD for emergency money, short-term goals, or income planning.

Does the PPF vs NPS vs FD calculator include tax?

The calculator shows simplified corpus, gain, lump sum, and pension estimates. It does not calculate personal income tax, TDS, product charges, premature withdrawal penalties, or future rule changes.