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Compare Public Provident Fund, National Pension System, and fixed deposit ladder estimates using the same yearly investment amount.
Tax year 2026 - Updated June 2026
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This compares the same yearly investment for 15 years. PPF uses a capped eligible contribution of ₹1,50,000 per year, while NPS and FD use the full entered yearly amount.
View
Nominal
Horizon ends at age
50
NPS lump sum split
60% / 40%
Gain: ₹18,18,209
₹40,68,209
EEE treatment in common cases; yearly contribution eligible under Section 80C within limits.
15-year lock-in; partial withdrawal and loan rules can apply after eligible years.
Government-backed rate, but the notified rate can change over time.
Gain: ₹20,75,478
₹43,25,478
Tax treatment depends on contribution route, withdrawal rules, and annuity income taxation.
Retirement-focused lock-in; exit and withdrawal rules are scheme-specific.
Market-linked returns; final corpus can be higher or lower than the estimate.
Gain: ₹18,48,543
₹40,98,543
FD interest is generally taxable as per slab; TDS and bank rules can apply.
Usually more liquid than PPF/NPS, but premature withdrawal penalties may apply.
Bank rate is fixed per deposit; reinvestment rate can change for future deposits.
Green line shows NPS corpus. Blue line shows the higher of PPF or FD ladder corpus for each year. Nominal value.
Showing the latest years from the projection. Nominal value.
| Year | PPF corpus | NPS corpus | FD ladder corpus |
|---|---|---|---|
| 10 | ₹22,30,124 | ₹22,86,825 | ₹22,40,994 |
| 11 | ₹25,49,113 | ₹26,32,255 | ₹25,62,809 |
| 12 | ₹28,90,750 | ₹30,06,355 | ₹29,07,749 |
| 13 | ₹32,56,643 | ₹34,11,505 | ₹32,77,475 |
| 14 | ₹36,48,515 | ₹38,50,282 | ₹36,73,770 |
| 15 | ₹40,68,209 | ₹43,25,478 | ₹40,98,543 |
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.
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.
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.
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.
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.
Compare PPF, NPS, and FD outputs with SIP investment paths.
Estimate PPF maturity and interest with contribution timing.
Estimate NPS corpus, lump sum, annuity corpus, and pension.
Estimate a one-time fixed deposit with payout options.
GuideCompare lock-in, risk, tax treatment, and use cases.
Visual guide
The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.
