Savings & Deposit Calculators
Maturity and interest for every Indian savings scheme — government and bank.
Updated June 2026 · Free · No sign-up
India offers a rich set of fixed-income and government-backed savings schemes, each with its own rate, lock-in, compounding rule and tax treatment. These calculators compute the maturity value and interest for each — from market-linked retirement vehicles like NPS and EPF to guaranteed small-savings schemes like PPF, NSC, SCSS, Sukanya Samriddhi and Post Office MIS, plus ordinary bank FDs and RDs.
Use them to compare where to park money for a goal: PPF and SSY for long-term tax-free growth, SCSS and POMIS for retiree income, FDs and RDs for short-to-medium goals, and NPS/EPF for retirement. Rates shown reflect the latest government quarterly notifications.
All Savings & Deposit Calculators
PPF Calculator
Calculate Public Provident Fund (PPF) maturity amount with 15-year lock-in, current 7.1% interest rate, and annual contribution up to ₹1.5 lakh. Tracks Section 80C deduction and year-by-year balance.
FD Calculator
Calculate Fixed Deposit (FD) maturity amount and interest earned for any principal, interest rate, and tenure. Supports quarterly compounding (bank standard), monthly, or yearly compounding.
RD Calculator
Calculate Recurring Deposit (RD) maturity amount and total interest earned with monthly deposits and quarterly compounding (the standard for Indian bank RDs).
NPS Calculator
Calculate National Pension System (NPS) maturity corpus, monthly pension, and tax savings. Models 80CCD(1) + 80CCD(1B) deductions and the annuity-vs-lumpsum split at retirement age 60.
EPF Calculator
Calculate Employee Provident Fund (EPF) corpus at retirement with employer + employee 12% contributions, year-on-year salary growth, and annual interest compounding at current 8.25% rate.
SSY Calculator
Calculate maturity corpus for the Sukanya Samriddhi Yojana (SSY) — the girl-child small-savings scheme. 15 years of contribution + 6 years of interest-only growth at the current 8.2% rate. Tax-free under EEE.
NSC Calculator
Calculate maturity amount for the 5-year National Savings Certificate (NSC) with the current 7.7% annual compounding rate. Shows year-by-year interest accrual and the Section 80C deduction available on principal + auto-reinvested interest.
SCSS Calculator
Calculate quarterly interest payout and total returns for the Senior Citizen Savings Scheme (SCSS) at 8.2% — max ₹30 lakh deposit, 5-year tenure (extendable by 3 years), interest paid every quarter.
APY Calculator
Calculate the monthly contribution required for the Atal Pension Yojana (APY) to secure a fixed pension of ₹1,000–₹5,000 per month from age 60. Shows total contribution, lump-sum corpus, and lifetime pension projection.
Post Office MIS Calculator
Calculate monthly interest payout from the Post Office Monthly Income Scheme (POMIS) at the current 7.4% rate. Max ₹9 lakh single / ₹15 lakh joint account; 5-year lock-in; principal returned at maturity.
Savings Interest Calculator
Calculate quarterly-compounded interest on your savings account using the RBI-mandated daily-balance method (post-April 2010). Shows the impact of switching between low-rate and high-rate banks at the same average balance.
NRE vs NRO FD Calculator
Compare NRE FD (tax-free + fully repatriable) vs NRO FD (TDS 30% + partially repatriable up to $1M/yr) for NRIs. Shows post-tax maturity, exchange-risk implications, and which suits each repatriation use-case.
Frequently asked questions
Which savings scheme gives the highest return in India?
Among guaranteed schemes, SSY (8.2%) and SCSS (8.2%) currently lead, followed by NSC (7.7%), POMIS (7.4%) and PPF (7.1%). Market-linked NPS and EPF can return more over the long run but aren't guaranteed. Choose based on lock-in and tax, not rate alone.
Is PPF or FD better?
PPF offers a tax-free 7.1% with EEE status and a ₹1.5L 80C deduction, but a 15-year lock-in. A bank FD is liquid and flexible but its interest is fully taxable at your slab. PPF wins for long-term tax-free growth; FDs win for shorter goals and liquidity.
How is FD interest taxed?
FD interest is taxable at your income-tax slab rate and is added to 'income from other sources'. Banks deduct 10% TDS if interest exceeds ₹40,000 a year (₹50,000 for senior citizens). PPF, SSY and EPF interest, by contrast, are tax-free.
What is the difference between EPF and NPS?
EPF is a mandatory salaried provident fund at a guaranteed ~8.25% with an EPS pension component. NPS is a voluntary market-linked pension where you choose the equity/debt mix; returns vary but are typically higher over long horizons. Many people use both.
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