Post Office FD Calculator

Post Office FD Interest Rates & Returns Matrix

The Post Office FD interest rates depend on the selected tenure and applicable rate, effective from 01.10.2026 to 31.12.2026. Below are the suggested maturity amounts for selected deposit amounts and terms.

The calculated figures are approximations made from current Post Office FD rates, effective from 01.10.2026 to 31.12.2026

How Does the Post Office FD Calculator Work

The Post Office FD calculator is used to determine the interest received and the maturity amount on the basis of the rate of interest, deposit amount and tenure. The final maturity amount shall be subject to the appropriate FD interest rate and the tenure selected.

The calculation of interest is based on the applicable Post Office Time Deposit rules as follows:

• Annual Interest = Deposit Amount × Applicable Interest Rate
• Total Amount Received = Principal Amount + Total Interest Paid

Step-by-Step Worked Calculation Example

Let’s consider an investor who is looking to invest ₹3,00,000 in a Post Office FD for 5 years at an interest rate of 7.50% p.a.

Here’s how the Post Office fixed deposit calculator calculates the estimated maturity amount and interest:

• Step 1: Identify variables: Deposit amount = ₹3,00,000; Rate = 7.50% p.a.; Tenure = 5 years
• Step 2: Annual interest: ₹3,00,000 × 7.50% = ₹22,500
• Step 3: Total interest: ₹22,500 × 5 = ₹1,12,500
• Step 4: Principal amount at maturity = ₹3,00,000
• Step 5: Total amount received over the tenure = ₹4,12,500

Cumulative vs. Non-Cumulative Payout Options in Post Office FD

Post Office Time Deposit interest is calculated every quarter and paid annually. Interest Calculation and Payment should be subject to the norms of Post Office Time Deposit.

• Cumulative option: Post Office Time Deposit does not offer a separate cumulative option like bank FDs. The scheme calculates interest every quarter and pays it once a year.
• Non-cumulative option: Post Office Time Deposit does not provide the same monthly or quarterly payout choices commonly available with bank FDs. Interest is paid annually under the applicable Post Office rules.

Factors Affecting Your Post Office FD Calculation Returns

The returns from a Post Office FD depend on the applicable Post Office FD interest rate, tenure, interest calculation method and tax treatment. Main considerations include:

• Deposit Tenure: Post Office fixed deposit can be taken for a period of 1, 2, 3 and 5 years.
• 5-year Deposit: 5-year Post Office fixed deposit is eligible for deduction under the relevant provisions of Section 123 read with Schedule XV of the Income-tax Act, 2025 (formerly Section 80C).
• Tax Treatment: The interest shall be taxed under the provisions of income tax. TDS provisions shall apply whenever relevant.

How to Use the Post Office FD Calculator?

Enter all the deposit details asked in the FD calculator, and you will get an estimate of the maturity amount and interest at the applicable Post Office FD rate and duration offered.

• Amount to Deposit: Type in the amount of money that you want to invest.
• Tenure for Post Office FD: Select your tenure for Post Office FD.
• Select Rate: Enter the rate of interest for the particular given duration in the FD calculator.
• Results Display: Check the interest generated and maturity amount now.