Post Office FD Calculator
Estimate your Post Office Fixed Deposit maturity amount. Adjust deposit, interest rate, and tenure to calculate accurate returns.
M = P × (1 + r/n)^(n×t), where r = annual rate, n = compounding frequency (quarterly = 4), t = years.
Results are estimates only.
What Is a Post Office FD Calculator?
A Post Office FD Calculator (also known as a Post Office Time Deposit Calculator) is a simple online tool that helps you estimate the maturity amount and interest earnings on your fixed deposit with the India Post Office.
With this calculator, you can easily find out how much your investment will grow over a chosen tenure, using the latest Post Office FD interest rates.
Whether you’re planning a short-term deposit for 1 year or a long-term saving plan for 5 years, a Post Office FD Calculator can help you compare returns and make smarter financial decisions.
How Does the Post Office FD Calculator Work?
The calculator uses the compound interest formula:
M = P × (1 + r/n)^(n×t)
Where:
- M = Maturity amount
- P = Principal (deposit amount)
- r = Annual interest rate (in decimal)
- n = Compounding frequency (quarterly for Post Office FDs)
- t = Tenure in years
Example:
If you invest ₹1,00,000 at 7.5% annual interest for 5 years, compounded quarterly, the Post Office FD Calculator shows a maturity value of around ₹1,44,000, giving you ₹44,000 in interest.
Features of the Post Office FD Calculator
A reliable Post Office Fixed Deposit Calculator lets you:
- Enter your deposit amount, interest rate, and tenure easily
- Instantly view your maturity value and total interest earned
- Get a year-by-year breakdown of returns
- Compare FDs with different tenures and rates
- Copy or print your results for record keeping
Many online calculators even use real-time India Post FD rates, so your estimates are always accurate.
Current Post Office FD Interest Rates (2025)
| Tenure | Interest Rate (p.a.) |
|---|---|
| 1 Year | 6.9% |
| 2 Years | 7.0% |
| 3 Years | 7.1% |
| 5 Years | 7.5% |
(Rates are subject to change based on the latest India Post updates.)
Using a Post Office FD Calculator helps you check which tenure offers the highest returns and whether the 5-year FD (eligible for tax benefits under Section 80C) suits your financial goals.
How to Use the Post Office FD Calculator Online
Follow these simple steps:
- Enter Deposit Amount – e.g., ₹1,00,000
- Enter Interest Rate – e.g., 7.5%
- Select Tenure – e.g., 5 years
- Click “Calculate” to see your maturity value instantly.
You’ll see the principal, total interest earned, and final amount at maturity.
Benefits of Using a Post Office FD Calculator
- Accurate interest computation without manual math
- Quick comparison between different FD durations
- Helps plan long-term savings efficiently
- Useful for tax planning (especially for 5-year TD)
- Saves time — no need to visit the Post Office for calculations
A Post Office Time Deposit Calculator is especially handy for senior citizens, salaried employees, and risk-averse investors who prefer safe, government-backed investments.
Why Choose Post Office FDs?
Post Office FDs (also called Time Deposits) are backed by the Government of India, making them one of the safest savings options.
You can start with as little as ₹1,000, and there’s no upper limit. Interest is compounded quarterly, which means your money grows faster than simple interest schemes.
Formula Behind the Calculator
For those who love numbers, here’s how the Post Office FD Calculator computes your returns:
M = P × (1 + r/4)^(4×t)
Example:
P = ₹1,00,000
r = 7.5% = 0.075
t = 5 years
M = 1,00,000 × (1 + 0.075/4)^(4×5) = ₹1,44,025 (approx.)
So, the total interest earned = ₹44,025.
Tax Benefits on Post Office FDs
- The 5-year Post Office FD qualifies for a tax deduction under Section 80C (up to ₹1.5 lakh).
- Interest earned is taxable, but TDS is not deducted automatically.
- You’ll need to declare interest income while filing your tax return.
Try Our Online Post Office FD Calculator
You can embed or use our interactive Post Office FD Calculator directly on your website.
Just enter your deposit, rate, and tenure — and see your maturity amount instantly.
Final Thoughts
A Post Office FD Calculator is your best companion for safe investment planning.
It helps you forecast returns, plan your savings goals, and choose the right tenure — all in seconds.
Whether you’re a beginner investor or planning retirement savings, using a Post Office Time Deposit Calculator ensures your decisions are data-driven, smart, and stress-free.
