An independent informational publication and free calculator tool helping Indians understand the gap between EPS-95 pension, NPS and actual retirement expenses.
Retirement Gap India was built around a simple observation: most Indians approaching retirement have never calculated exactly what EPS-95 and NPS will actually pay them each month — or whether it will be enough.
The EPS-95 formula is publicly available but rarely used. The NPS annuity calculation is straightforward but often not done. The retirement income gap — the difference between what you'll receive and what you'll need — is the most important number in retirement planning, and the least calculated.
We are not a financial advisory firm, pension consultancy or SEBI-registered entity. We do not provide individual financial advice. We are not affiliated with EPFO, PFRDA, Ministry of Labour, NPS Trust or any Government of India body.