Post Office Recurring Deposit (RD) Calculator
Estimate your maturity amount for monthly deposits. Follows India Post RD rules.
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How to Use Post Office ( PO ) RD Calculator Online
Enter Monthly Installment Amount Input the amount you plan to deposit every month. Minimum is ₹100 (in multiples of ₹10). No upper limit. Example: ₹1,000 or ₹5,000.
Select Tenure (Period) The default and standard tenure for Post Office RD is 5 years (60 months). Some calculators allow custom tenures in months or years, but officially it’s fixed at 5 years (extensions possible in blocks of 5 years).
Enter Interest Rate Fill the current Post Office RD interest rate. As of Q4 2025 (Oct-Dec 2025) and continuing into 2026 unless changed, it is 6.7% per annum (compounded quarterly). The calculator may show this as default or let you adjust for future rate changes.
Click “Calculate” or Wait for Auto-Calculation Most online tools (including the referenced one) calculate automatically as you type or after clicking the Calculate button.
View Results Instantly The calculator will display:
Total Amount Invested (Monthly Deposit × 60)
Interest Earned
Maturity Amount (Total value you receive after 5 years)
Often a quarter-wise or year-wise breakup table showing how your money grows with quarterly compounding.
Example (at 6.7% p.a.):
- Monthly Deposit: ₹2,000
- Tenure: 5 years
- Total Investment: ₹1,20,000
- Interest Earned: ≈ ₹21,000–₹22,000
- Maturity Amount: ≈ ₹1,41,500–₹1,42,000 (exact depends on quarterly compounding formula)
This free online PO RD calculator tool helps you plan your savings accurately without manual calculations and shows why Post Office RD remains a safe, guaranteed-return option for conservative investors in India.
What is Post Office Recurring Deposit (RD)?
Post Office Recurring Deposit (RD) is a secure, government-backed savings scheme designed for disciplined monthly investments. Investors deposit a fixed amount every month for a tenure of five years and earn compound interest. This scheme is ideal for individuals seeking guaranteed returns with low risk. With the help of a po rd calculator, users can easily estimate monthly contributions, total investment, interest earned, and final maturity value, making financial planning simple and transparent.
Current Post Office RD Interest Rates for 2026
The Post Office RD interest rates for 2026 are announced quarterly by the Government of India and apply uniformly across the country. Interest is compounded quarterly and paid annually, ensuring steady growth of savings. Since rates may vary each quarter, checking updated figures is essential before investing. A po rd calculator allows investors to calculate accurate returns using the latest interest rates, monthly deposit amount, and investment tenure in just a few seconds.
Benefits of Investing in Post Office RD Scheme
Post Office RD offers multiple benefits such as guaranteed returns, sovereign security, low minimum investment, and easy accessibility through post offices nationwide. It encourages disciplined savings and is suitable for both short- and long-term financial goals. Additional features like account extension and loan facilities add flexibility. Using a po rd calculator helps investors visualize growth over time and compare returns, making the scheme more attractive for safe and reliable savings.
Post Office RD Maturity Amount Calculation Formula
The maturity amount of a Post Office RD is calculated based on the monthly deposit, applicable interest rate, and investment duration. Since interest is compounded quarterly, manual calculations can be confusing and time-consuming. A po rd calculator simplifies this process by automatically applying the correct formula to display total investment, interest earned, and final maturity amount accurately, helping users make informed investment decisions without errors.
Eligibility Criteria for Opening PO RD Account
Post Office RD accounts can be opened by any Indian resident, including adults, minors above 10 years, and guardians on behalf of minors. Joint accounts with up to three holders are also permitted. There is no upper age limit, and the minimum monthly deposit is affordable for all income groups. Before opening an account, investors can use a po rd calculator to determine the ideal monthly investment based on income capacity and expected returns.
Tax Implications on Post Office RD Returns
Interest earned on Post Office RD is fully taxable as per the investor’s income tax slab rate. Although no TDS is deducted, the interest income must be declared while filing income tax returns. Investments in RD do not qualify for Section 80C tax benefits. A po rd calculator helps users estimate total interest earnings in advance, enabling better tax planning and a clear understanding of post-tax returns.
FAQs
1. What is Post Office Recurring Deposit (RD)?
Post Office Recurring Deposit (RD) is a government-backed savings scheme where you deposit a fixed amount monthly, starting from ₹100, for a 5-year tenure. It promotes regular saving with guaranteed returns compounded quarterly. Use a PO RD calculator to estimate your maturity value easily.
2. What is the current interest rate for Post Office RD in 2026?
As of December 2025, the Post Office RD interest rate is 6.7% per annum, compounded quarterly. This rate applies to new and existing accounts and is reviewed quarterly by the government. For projections, input this into a PO RD calculator to see returns on your deposits.
3. How to calculate maturity amount in Post Office RD?
he maturity amount is calculated using the formula: M = P × [(1 + r/4)^(4t) - 1] / (1 - (1 + r/4)^(-1/3)), where P is monthly deposit, r is annual rate (0.067), and t is years. A PO RD calculator simplifies this by handling quarterly compounding automatically for accurate returns.
4. What are the benefits of investing in Post Office RD scheme?
Benefits include risk-free returns at 6.7%, low entry (₹100/month), loan facility after one year, nomination options, and no market volatility. It's ideal for building savings discipline. Compare using a PO RD calculator to see benefits over other schemes like NSC calculator for fixed deposits.
5. Who is eligible to open a Post Office RD account?
Any Indian resident adult can open an account individually or jointly (up to three). Minors over 10 can open with a guardian, and there's no upper age limit. Multiple accounts are allowed. Check eligibility before using a PO RD calculator for personalized plans.
6. What are the tax implications on Post Office RD returns?
Interest is taxable as "income from other sources" under your slab rate, with no Section 80C deduction on principal. TDS applies if interest exceeds ₹40,000 annually (₹50,000 for seniors). Factor this in when using a PO RD calculator to net out returns.
7. What is the minimum deposit amount for Post Office RD?
The minimum monthly deposit is ₹100, in multiples of ₹10, with no maximum limit. Deposits can be made via cash or cheque. Use a PO RD calculator to test scenarios starting from this amount for 5-year returns.
8. Can I withdraw Post Office RD prematurely?
Yes, premature withdrawal is allowed after 3 years, but with reduced interest (typically savings rate). Full closure before 3 years isn't permitted except in special cases. A PO RD calculator can help estimate penalties on early exits.
9. How to open a Post Office RD account?
Visit any post office with ID proof (Aadhaar/PAN), address proof, and photos. Open a savings account if needed, then start RD with initial deposit. Online options via India Post app. Once set, use a PO RD calculator to track potential returns.
10. What is the tenure for Post Office RD?
The fixed tenure is 5 years (60 months), extendable in 5-year blocks. Monthly deposits must continue throughout. For custom projections, a PO RD calculator adjusts for this tenure to compute maturity and interest.