Monthly Savings Planning
Compare different monthly deposit amounts and choose a contribution that fits comfortably within your regular budget.
India Post RD Planning Tool
Post Office RD Calculator
Estimate the maturity amount, total deposits and interest earned from your Post Office Recurring Deposit using your preferred monthly contribution, tenure and annual interest rate.
Instant calculation
Adjustable interest rate
Deposit and interest breakdown
Calculate Your RD Returns
Enter your planned deposit details to view an estimated maturity amount.
Estimated maturity amount
₹3,57,043
Approximate amount receivable after completing all scheduled deposits.
Total Deposited
₹3,00,000
Estimated Interest
₹57,043
Number of Deposits
60
Interest Rate Used
6.70% p.a.
Interest Gain
16.0%
Deposited amount
Interest earned
The displayed value is an estimate. Actual maturity proceeds can
differ because of official calculation rules, deposit dates,
missed instalments, penalties or rate revisions.
Calculator benefits
Plan Your Recurring Deposit More Clearly
This Post Office RD Calculator separates your own deposits from estimated interest, making it easier to assess whether a selected monthly contribution supports your financial goal.
Clear Return Breakdown
View the estimated maturity value, invested principal and interest earnings separately instead of seeing only one final figure.
Editable RD Rate
Change the interest rate whenever the government revises small savings rates, without modifying the calculator code.
Simple process
How the Post Office RD Calculator Works
The calculator estimates how monthly contributions may grow over the chosen period after applying the entered annual rate.
1
Enter Monthly Deposit
Add the amount you intend to deposit into the recurring deposit account every month.
2
Confirm RD Rate
Use the default displayed rate or replace it with the rate applicable when you open the account.
3
Select the Tenure
Choose the period for which monthly deposits will be made. Five years is preselected for normal Post Office RD planning.
4
Review the Estimate
Check the total contribution, estimated interest and projected maturity amount shown in the result panel.
Understanding the scheme
What Is a Post Office Recurring Deposit?
Disciplined Monthly Savings
A Post Office Recurring Deposit is a small-savings option designed for people who want to deposit a fixed amount regularly rather than investing one large lump sum.
Each monthly contribution adds to the account balance. Interest then helps the accumulated deposits grow during the account term.
Useful for Planned Expenses
Recurring deposits can be considered for medium-term financial goals that require regular and predictable saving.
- Education or training expenses
- Future household purchases
- Travel or family-event planning
- Building a structured savings habit
Example calculation
Post Office RD Calculation Example
The following illustration shows how the calculator presents results. Values are estimates and change with the selected rate and deposit.
| Monthly Deposit | Tenure | Total Deposited | Rate Example | Result |
|---|---|---|---|---|
| ₹1,000 | 5 years | ₹60,000 | 6.7% p.a. | Calculated automatically |
| ₹3,000 | 5 years | ₹1,80,000 | 6.7% p.a. | Calculated automatically |
| ₹5,000 | 5 years | ₹3,00,000 | 6.7% p.a. | Calculated automatically |
| ₹10,000 | 5 years | ₹6,00,000 | 6.7% p.a. | Calculated automatically |
Important questions
Post Office RD Calculator FAQs
Find answers to common questions about RD maturity calculations, interest estimates and calculator usage.
It estimates the maturity amount, total monthly contributions,
interest earned and number of deposits based on the values entered
in the calculator.
No. The result is an estimate for planning purposes. The official
amount may vary based on India Post rules, actual deposit dates,
applicable interest rates, defaults, penalties and rounding.
Small-savings interest rates can be revised. An editable rate lets
you use the rate applicable to your account instead of depending
permanently on a fixed value inside the tool.
A five-year period is commonly associated with the National Savings
Recurring Deposit Account. This calculator also includes additional
periods for comparison and extended planning.
No. It assumes that all monthly deposits are paid regularly and on
time. Any default fee, penalty or missed contribution should be
confirmed separately with India Post.
Yes. The layout is responsive and adapts to desktop computers,
tablets and mobile screens.
Disclaimer:
This calculator is an independent estimation tool and is not an
official India Post calculator. Rates, eligibility conditions,
deposit rules, penalties and maturity calculations should be verified
through official India Post sources before making a financial decision.