Retirement Planner Comparison
Comprehensive comparison of India's retirement planning calculators with weighted scoring and detailed feature analysis
9.2/10
In-Hand.in Retirement Planner - Highest Weighted Score
How We Score
Weighted Scoring Methodology: We evaluate retirement planners across 5 key categories with different weights based on importance:
- Core Features (40%): Monthly pension display, corpus calculation, EPF/NPS support
- Advanced Features (25%): Monte Carlo simulation, scenario comparison, inflation adjustment
- User Experience (20%): Mobile interface, UI/UX quality, ease of use
- India-Specific (10%): EPF/NPS auto-calculation, Indian tax context, local features
- Value Proposition (5%): Free vs paid, transparency, no hidden fees
Each feature is scored 0-10 (0 = Missing, 5 = Basic, 10 = Excellent), then weighted and summed for the final score.
Weighted Score Comparison
Our comprehensive weighted scoring system evaluates each retirement planner across multiple dimensions. Here's how the top competitors stack up:
| Platform | Weighted Score | Core Features | Advanced | UX | India-Specific | Value |
|---|---|---|---|---|---|---|
| In-Hand.in | 9.2/10 | 9.8 | 8.3 | 9.3 | 9.7 | 10.0 |
| ClearTax NPS | 7.1/10 | 7.0 | 5.0 | 7.0 | 5.5 | 10.0 |
| NPS Trust | 6.8/10 | 7.0 | 2.5 | 6.0 | 5.0 | 10.0 |
| Groww | 6.4/10 | 5.8 | 2.3 | 9.0 | 4.5 | 7.0 |
| Kuvera | 6.3/10 | 5.8 | 2.3 | 8.0 | 4.5 | 10.0 |
| Paytm Money | 6.5/10 | 5.8 | 2.3 | 8.0 | 4.8 | 7.0 |
| Primeinvestor | 6.2/10 | 5.5 | 2.0 | 7.5 | 5.0 | 10.0 |
| MoneyControl | 6.0/10 | 5.5 | 2.0 | 7.0 | 5.0 | 10.0 |
| NISM | 5.8/10 | 5.0 | 2.0 | 6.0 | 5.5 | 10.0 |
Core Features Comparison (40% Weight)
Core features are the foundation of any retirement planner. These determine how accurately and comprehensively you can plan your retirement.
| Feature | In-Hand.in | ClearTax NPS | NPS Trust | Groww | Kuvera | Paytm Money | Primeinvestor | MoneyControl | NISM |
|---|---|---|---|---|---|---|---|---|---|
| Monthly Pension Display | |||||||||
| Shows Monthly Pension | Yes (4% rule) | Yes (NPS only) | Yes (NPS only) | Limited | Limited | Limited | Limited | Limited | No |
| Withdrawal Rate Customization | Yes (3-5%) | No | No | No | No | No | No | No | No |
| EPF & NPS Integration | |||||||||
| EPF Support | Full | Basic | No | No | Basic | Basic | No | Basic | No |
| NPS Support | Full | Full | Full | Full | Full | Full | Full | Full | Basic |
| EPF + NPS Auto-Calc | Yes | Partial | No | No | No | No | No | No | No |
| Investment Types | |||||||||
| Multiple Investment Types | 6 types | NPS only | NPS only | 3 types | 3 types | 3 types | 3 types | 3 types | NPS only |
| Equity Investments | Yes | No | No | Yes | Yes | Yes | Yes | Yes | No |
| Debt Investments | Yes | No | No | Yes | Yes | Yes | Yes | Yes | No |
Why Core Features Matter
Monthly Pension Display: The most important metric - shows how much you'll receive monthly in retirement. In-Hand.in uses the proven 4% withdrawal rule, which is the gold standard for retirement planning.
EPF + NPS Integration: In India, EPF and NPS form 40-60% of most people's retirement corpus. Only In-Hand.in provides full support for both with auto-calculation from salary.
Multiple Investment Types: Diversification is key. In-Hand.in supports 6 types (EPF, NPS, Equity, Debt, FD, PPF) vs competitors' 1-4 types.
Advanced Features Comparison (25% Weight)
Advanced features separate basic calculators from comprehensive retirement planning tools.
| Feature | In-Hand.in | ClearTax NPS | NPS Trust | Groww | Kuvera | Paytm Money | Primeinvestor | MoneyControl | NISM |
|---|---|---|---|---|---|---|---|---|---|
| Monte Carlo Simulation | Yes (10,000 scenarios) | No | No | No | No | No | No | No | No |
| Scenario Comparison | Partial | Yes | No | No | No | No | No | No | No |
| Inflation Adjustment | Yes (real vs nominal) | Basic | Basic | Basic | Basic | Basic | Basic | Basic | Basic |
| Year-by-Year Timeline | Yes | Basic | Basic | Basic | Basic | Basic | Basic | Basic | Basic |
| Salary Growth Rate | Yes | Partial | No | No | No | No | No | No | No |
Advanced Features Explained
Monte Carlo Simulation: Runs 10,000 different market scenarios to show probability of success. Only In-Hand.in offers this in India. It answers "What's the chance my plan will work?"
Scenario Comparison: Compare Conservative vs Balanced vs Aggressive strategies side-by-side. In-Hand.in is adding this feature to match global best practices.
Inflation Adjustment: Shows both nominal (future rupees) and real (today's purchasing power) values. Critical for understanding true retirement needs.
User Experience Comparison (20% Weight)
User experience determines how easy and enjoyable it is to use the retirement planner.
| Feature | In-Hand.in | ClearTax NPS | NPS Trust | Groww | Kuvera | Paytm Money | Primeinvestor | MoneyControl | NISM |
|---|---|---|---|---|---|---|---|---|---|
| Mobile Interface | PWA (3-panel) | Web responsive | Web responsive | Native app | Native app | Native app | Web responsive | Web responsive | Web responsive |
| UI/UX Quality | Excellent | Good | Fair | Excellent | Good | Good | Good | Good | Fair |
| Ease of Use | Very Easy | Easy | Moderate | Very Easy | Easy | Easy | Easy | Easy | Moderate |
| Export Reports | PDF/Excel/CSV | No | No | No | No | No | No | No | No |
User Experience Highlights
Mobile Interface: In-Hand.in's Bloomberg-style 3-panel mobile interface is unique in India. It provides a native app-like experience without requiring app installation.
Export Options: Only In-Hand.in offers multiple export formats (PDF, Excel, CSV), making it easy to share and analyze your retirement plan.
Detailed Feature-by-Feature Comparison
Here's a comprehensive breakdown of every feature across all platforms:
| Feature | In-Hand.in | ClearTax NPS | NPS Trust | Groww | Kuvera | Paytm Money | Primeinvestor | MoneyControl | NISM |
|---|---|---|---|---|---|---|---|---|---|
| Monthly Pension Display | Yes | Yes | Yes (NPS) | Yes (NPS) | Limited | Limited | Limited | Limited | No |
| EPF Integration | Full | No | No | Basic | Basic | Basic | No | Basic | No |
| NPS Integration | Full | Full | Full | Full | Full | Full | Full | Full | Basic |
| Equity Investments | Yes | No | No | Yes | Yes | Yes | Yes | Yes | No |
| Debt Investments | Yes | No | No | Yes | Yes | Yes | Yes | Yes | No |
| FD/PPF Support | Yes | No | No | No | No | No | No | No | No |
| Monte Carlo Simulation | Yes | No | No | No | No | No | No | No | No |
| Scenario Comparison | Partial | No | No | No | No | No | No | No | No |
| Inflation Adjustment | Yes | Basic | Basic | Basic | Basic | Basic | Basic | Basic | Basic |
| Year-by-Year Timeline | Yes | Basic | Basic | Basic | Basic | Basic | Basic | Basic | Basic |
| Mobile App | PWA | Web | Web | Native | Native | Native | Web | Web | Web |
| Export Reports | PDF/Excel/CSV | No | No | No | No | No | No | No | No |
| Free to Use | 100% Free | Free | Free | Freemium | Free | Freemium | Free | Free | Free |
Key Insights & Recommendations
Why In-Hand.in Scores Highest
- Only Platform with Full EPF + NPS + Monte Carlo: No other retirement planner in India combines all three. This is the key differentiator.
- Best Mobile Experience: The Bloomberg-style 3-panel interface is unique and provides a superior mobile experience without requiring app installation.
- Most Comprehensive Investment Support: Supports 6 investment types (EPF, NPS, Equity, Debt, FD, PPF) vs competitors' 1-4 types.
- Completely Free: No hidden fees, no freemium model, no affiliate links. 100% transparent.
- Best Export Options: Only platform offering PDF, Excel, and CSV exports for detailed analysis.
When to Use Each Platform
- In-Hand.in: Best for comprehensive retirement planning with EPF, NPS, and advanced features like Monte Carlo simulation. The only platform that combines all three.
- ClearTax NPS / NPS Trust: Best if you only want to calculate NPS-specific retirement corpus and monthly pension from NPS.
- Groww / Kuvera / Paytm Money: Good if you're already using their investment platform and want basic retirement planning integrated with your portfolio.
Areas for Improvement
Even though In-Hand.in scores highest, there's always room for improvement:
- Scenario Comparison: Currently partial (5/10). Adding full side-by-side scenario comparison would boost the score to 9.5/10.
- Native Mobile App: PWA is excellent, but a native iOS/Android app could improve UX score further.
- Account Linking: Auto-sync EPF/NPS balances from official portals (future enhancement).
Ready to plan your retirement? Try In-Hand.in Retirement Planner - India's highest-rated retirement calculator with EPF, NPS, and Monte Carlo simulation.