How to use the Post Office RD Calculator
- 1. Enter your monthly depositStart at ₹100 and go up in multiples of ₹10.
- 2. Confirm the rateThe default is 6.7%. Check it against India Post, then edit if needed.
- 3. See your maturityGet the final amount and the running value at each year.
Rate used here: please confirm it
The default is 6.7% a year for the Oct-Dec 2026 quarter. Small savings rates change quarterly. This particular rate was not reconfirmed for this quarter, so check it at your post office or on the India Post website before you decide. The rate box is yours to change.
How the 5-year maturity is calculated
The Post Office RD runs for 60 monthly instalments, with interest compounded every quarter. Each instalment grows for the months it stays in the account. The first stays 60 months and the last stays 1 month:
Maturity = sum of P × (1 + r/4)^(k/3), for k from 1 to 60.
Worked example: ₹10,000 a month at 6.7%. You deposit ₹6,00,000. The account matures at ₹7,13,658, so ₹1,13,658 is interest. This matches the ₹7,136.58 maturity shown for ₹100 a month at 6.7% in published Post Office rate tables, scaled up 100 times.
Scheme rules to know
- Late payment. A default fee applies on a missed instalment, ₹1 for every ₹100 of deposit per month. Pay on time to match this calculator.
- Early closure. Allowed after 3 years, but interest then drops to the Post Office savings rate.
- Loan. After 12 instalments you can borrow up to 50% of your balance.
- Extension. You can continue for 5 more years at maturity.
- Tax. Interest is taxable.
Comparing with a bank? Try the bank RD calculator. If you can invest a yearly sum, the PPF calculator and the NSC calculator show two other government-backed choices.
Frequently asked questions
Is 6.7% the current Post Office RD rate?
It is the default for Oct-Dec 2026, but it was not reconfirmed this quarter. Rates change quarterly, so please check India Post and edit the rate box if it has changed.
Does the rate change during my 5 years?
No. The rate on the day you open the account stays for the whole 5-year term. A new rate only affects new accounts.
What is the minimum deposit?
₹100 a month, and then any amount in multiples of ₹10. There is no upper limit.
Is the Post Office RD calculator free?
Yes. You enter your name and WhatsApp number once to see your result, and all other Uncodemy tools then open without the form.