Post Office FD Calculator

Post Office FD Calculator

The Post Office FD Calculator helps you estimate the interest earned and maturity amount on your Post Office Time Deposit (POTD). Whether you choose a 1, 2, 3, or 5-year deposit, this tool gives you an accurate picture of your returns based on the latest government-declared interest rates.

What Is a Post Office Fixed Deposit?

A Post Office Fixed Deposit, also known as a Post Office Time Deposit (TD), is a risk-free, government-backed investment scheme offered by India Post. It functions like a traditional bank FD, with fixed interest rates and flexible tenure options.

Key Features

• Tenure options: 1, 2, 3, or 5 years
• Minimum deposit: ₹1,000
• Multiples of: ₹100
• Interest payout: Annually (compounded quarterly)
• Current interest rates (Q1 FY 2024–25):
  1 Year – 6.9%2 Years – 7.0%3 Years – 7.1%

  5 Years – 7.5%

• Tax benefit: Only the 5-year FD qualifies for Section 80C deduction

How the Post Office FD Calculator Works

Inputs Required

• Deposit amount
• Tenure (1, 2, 3, or 5 years)
• Applicable interest rate

Formula Used

A = P × (1 + r/n)^n×t

• A: Maturity amount
• P: Principal (deposit amount)
• r: Annual interest rate (in decimal)
• n: Number of compounding periods per year (4 for quarterly)
• t: Time period in years

Output Provided

• Total interest earned
• Final maturity amount
• Annualized yield

Example

If you invest ₹1,00,000 for 5 years at an interest rate of 7.5%:

• Interest earned: ≈ ₹43,000
• Maturity amount: ≈ ₹1.43 lakh

Interest is compounded quarterly but paid out annually.

Benefits of Using the Post Office FD Calculator

• Accurate Estimates: No manual calculations needed
• Quick Comparison: Evaluate across multiple tenures
• Safe Planning: Ideal for conservative investors
• Government-Backed: Principal and interest are fully secured

Disclaimer : The results given by the above calculator are for illustration purpose only. They are often based on a number of assumptions. The results given are in no way any guarantee of the returns that will be given. Investments in stock markets and securities markets are subject to market risks and other risks. There is no guarantee of the return that will be actually given. Investment in other financial products may also be subject to market risks and other risks. There is no guarantee of the returns that will be given by them. The calculator also does not make any recommendation directly or indirectly. Please consult a registered Financial Advisor before taking any investment decision.