🏦 Savings & Govt Scheme Calculators
FD, RD, PPF, EPF, NPS, SSY, SCSS, NSC and Post Office MIS at current rates.
FD CalculatorFind the maturity value of a bank or post office fixed deposit, before and after tax.RD CalculatorCalculate how much a monthly recurring deposit grows to at maturity.PPF CalculatorProject your Public Provident Fund balance year by year, including 5-year extensions.EPF CalculatorProject your provident fund balance at retirement, with annual salary increases.Sukanya Samriddhi Yojana CalculatorPlan your daughter’s education and marriage fund with the government’s highest-paying small savings scheme.NPS CalculatorEstimate your National Pension System corpus, lump sum and monthly pension at retirement.SCSS CalculatorSee the quarterly income a senior citizen can earn from SCSS.NSC CalculatorCalculate the 5-year maturity of a National Savings Certificate.Post Office MIS CalculatorFind the fixed monthly income you can earn from the Post Office Monthly Income Scheme.
Quick answers
- FD Calculator
- Most Indian banks compound FD interest quarterly: A = P × (1 + r/4)4t. ₹5 lakh at 7% for 3 years grows to about ₹6.16 lakh, an effective yield of 7.19%. FD interest is fully taxable at your slab rate. Deposits up to ₹5 lakh per bank are insured by DICGC.
- RD Calculator
- A recurring deposit adds a fixed amount every month, and each instalment compounds quarterly for the time it stays invested. ₹5,000 a month for 5 years in a Post Office RD at 6.7% matures to about ₹3,56,829, on deposits of ₹3,00,000.
- PPF Calculator
- PPF currently earns 7.1% a year, compounded yearly and fully tax-free. Investing the maximum ₹1.5 lakh every year for 15 years gives about ₹40,68,209. You invest ₹22.5 lakh and earn about ₹18,18,209 in interest. Extend by 5 years to about ₹66,58,288.
- EPF Calculator
- EPF currently earns 8.25% (FY 2025-26). You contribute 12% of basic + DA. Your employer also pays 12%, but 8.33% of up to ₹15,000 (₹1,250 a month) goes to the EPS pension, and the rest goes to EPF. With ₹30,000 basic at age 28, 6% yearly hikes and 8.25% interest, you would have about ₹1.84 Cr at 58.
- Sukanya Samriddhi Yojana Calculator
- Sukanya Samriddhi Yojana pays 8.2% a year, tax-free. You deposit for 15 years, and the account matures 21 years after opening. Investing the maximum ₹1.5 lakh a year gives about ₹71,82,119 at maturity on deposits of ₹22.5 lakh.
- NPS Calculator
- NPS builds a retirement corpus in market-linked funds. At exit, non-government subscribers now need to use only 20% for an annuity (pension) and can take up to 80% out, under PFRDA’s December 2025 rules. ₹5,000 a month from age 30 to 60 at 10% builds about ₹1.14 crore, which means about ₹11,400 a month in pension and ₹91 lakh as a lump sum.
- SCSS Calculator
- SCSS pays 8.2% a year, paid out every quarter, to people aged 60 or above (55+ for some retirees). The maximum deposit is ₹30 lakh. ₹30 lakh earns ₹61,500 every quarter (about ₹20,500 a month) for 5 years, and your capital is returned at maturity.
- NSC Calculator
- NSC earns 7.7% a year, compounded yearly and paid at maturity after 5 years. ₹1 lakh becomes about ₹1,44,903. In the old regime, the accrued interest in years 1–4 counts as reinvested and qualifies for 80C.
- Post Office MIS Calculator
- The Post Office MIS pays 7.4% a year as monthly income for 5 years. The maximum deposit is ₹9 lakh (single) or ₹15 lakh (joint). ₹9 lakh gives ₹5,550 a month, and a ₹15 lakh joint account gives ₹9,250.