Retirement Guides

Gratuity isn't a flat percentage of your salary - it depends on a specific formula, your years of service, and whether your employer is covered under the Act.

Your EPF deducts itself, your PPF is your choice, and NPS is the only one with equity exposure. Here's how the three actually work together, not against each other.

The 4% rule gives you a quick estimate — ₹1.5 crore for ₹50,000/month, roughly. But your actual number depends on your horizon, assumed return, and whether you want the corpus to last forever or just long enough.

Withdraw or transfer your EPF when switching jobs? Here's the 5-year rule that decides whether your withdrawal is taxable, and why transferring almost always wins.

Tier 1 is locked in until retirement with real tax benefits; Tier 2 has no lock-in but almost no tax benefit for most subscribers. Here's the full comparison.