⚡ Free Online Tool

Post Office Time Deposit Calculator

Calculate the maturity value of a Post Office Time Deposit (Fixed Deposit).

TDTime DepositPost Office FDGovernment Scheme
✓ 100% Free✓ No Sign-up Required
Min ₹1,000, in multiples of ₹100, no maximum
Current official rates (Jul–Sep 2026): 1yr 6.9%, 2yr 7.0%, 3yr 7.1%, 5yr 7.5%

Projected at Maturity

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Amount Invested
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Interest Earned
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Maturity Value
Interest is compounded quarterly but credited to your linked savings account (or post office savings account) annually. Only the 5-year Time Deposit qualifies for a Section 80C deduction.
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Custom Options

Adjust settings to match exactly what you need

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100% Private

Files are never uploaded to a server — processed in your browser

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Free Forever

No limits, no payment, ever

How To Use

1

Enter your details

Fill in the required numbers in the calculator.

2

See instant results

The result updates automatically as you type.

3

Check the breakdown

Review the detailed breakdown shown below the result.

4

Use it as many times as you like

This calculator is free and has no usage limit.

About This Tool

Post Office Time Deposit Calculator estimates the maturity value of a National Savings Time Deposit (the post office equivalent of a bank FD) for the tenure and rate you choose.

Frequently Asked Questions

Is this calculator free to use?

Yes, completely free with no sign-up required and no limit on how many times you can use it.

Is my data stored anywhere?

No. All calculations happen instantly in your browser — nothing is sent to any server.

Can I withdraw a Post Office TD before maturity?

Yes, premature withdrawal is allowed after 6 months, subject to a small interest penalty.

Is Post Office TD interest tax-free?

No, the interest is fully taxable as per your income tax slab.

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