Savings Calculators
Calculate kisan vikas patra, national savings certificate and post office monthly income scheme and other savings calculations.
The small-savings schemes — PPF, Sukanya Samriddhi, NSC, KVP, SCSS and the Post Office deposits — pay rates set by the Ministry of Finance for each quarter. They differ less in rate than in how they pay: some compound until maturity, some pay out regular income, and each has its own lock-in and deposit rules.
Which Savings calculator do you need?
- Long-term saving with yearly depositsPPF Contribution PlannerPPF maturity from yearly deposits over the 15-year term.
- Saving for a daughter's education or marriageSukanya Samriddhi Yojana CalculatorSSY maturity from annual deposits and the girl's age at opening.
- A lump sum that compounds for five yearsNational Savings Certificate CalculatorNSC maturity with annual compounding over its fixed tenure.
- Regular income after retirementSenior Citizen Savings Scheme CalculatorSCSS quarterly payouts — interest is paid out, not compounded.
- A fixed monthly income from a depositPost Office Monthly Income Scheme CalculatorPOMIS monthly payout from a lump sum.
- How long until my money doubles in KVP?Kisan Vikas Patra CalculatorKVP maturity at the currently notified doubling period.
All Savings Calculators
Compounding schemes vs income schemes
PPF, SSY, NSC and KVP reinvest interest, so the balance grows until maturity. SCSS and POMIS pay interest out, so the deposit itself does not grow — they suit someone living on the income rather than building a corpus. Comparing them on rate alone misses this.
Check the rate period
Each calculator shows the quarter its rate applies to. The Ministry of Finance announces the next quarter's rates shortly before it starts; a projection made with this quarter's rate assumes that rate continues.
Limitations
- Tax treatment differs by scheme and is only described where a page states it.
- Deposit limits and eligibility are set by the scheme rules; results do not confirm eligibility.
Savings Guides
Comparing Post Office Savings Schemes: Lump Sum vs Monthly Income vs Recurring Deposit
The same ₹9,00,000, put into POMIS versus POTD, earns noticeably different total interest over 5 years — because POMIS pays income out monthly without compounding, while POTD reinvests every quarter's interest until maturity.
Read guideHow an Extended PPF Account's Maturity Value Is Calculated
Extending a PPF account past its initial 15-year term compounds the existing balance at the current PPF rate for the extension period, and — if you continue contributing — adds a second growing stream from the new deposits on top of it.
Read guideHow Post Office Monthly Income Scheme Payouts Are Calculated
POMIS pays a fixed monthly income equal to the annual interest rate divided by 12, applied to your deposit — interest isn't compounded, and the full principal comes back unchanged at the 5-year maturity.
Read guideHow Post Office Time Deposit Maturity Is Calculated
A Post Office Time Deposit compounds quarterly for its full tenure, so both the interest rate and the number of years chosen directly shape how much the deposit grows by maturity.
Read guideHow the Maximum PPF Partial Withdrawal Is Calculated
A PPF account's partial withdrawal limit is 50% of whichever is lower — the balance at the end of the immediately preceding financial year, or the balance at the end of the 4th preceding year — a rule that specifically protects against withdrawing against a recent lump-sum deposit.
Read guide