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Post Office FD Calculator
Estimate the maturity value of a Post Office Time Deposit using quarterly compounding. Enter the currently notified rate for your tenure.
Calculate post office fixed deposit maturity and interest.
Free to run · to save projections to your live dashboard
Enter values and click Calculate to see results
Worked example
Calculated by the same engine as the calculator above.
- Inputs
- Principal
- ₹1,00,000
- Interest Rate (% p.a.)
- 7.5
- Tenure (Years)
- 5
- Result
- Maturity Amount
- ₹1,44,995
- Interest Earned
- ₹44,995
Formula
A = P × (1 + r / 4)^(4 × t)
- A = maturity amount
- P = amount deposited
- r = annual interest rate / 100
- t = tenure in years
- Interest earned = A - P
Assumptions
- Interest compounds quarterly and is reinvested until maturity; the engine does not model annual interest payouts.
- The rate you enter stays fixed for the whole tenure. The rate field is pre-filled at 7.5% p.a. as a starting value, not a quoted rate.
- Tax on interest is not deducted.
- Uses the same quarterly-compounding engine as the bank FD calculator.
- Educational estimate only, not financial advice. Capitallytics does not execute transactions.
Post Office FD Calculator FAQ
Answers about how this calculator works.
What interest rate should I enter for a Post Office FD?
Enter the rate currently notified for your tenure. Small savings rates are revised by the government from time to time, so check the latest rate before relying on the result.
Does this calculator pay out interest every year?
No. It treats interest as compounding quarterly until maturity. If interest is paid out to you instead, the total you receive will be lower than shown.
How is this different from the bank FD calculator?
The maths is the same quarterly-compounding formula. Only the default rate differs, so you can compare a post office deposit with a bank FD side by side.
Is post office time deposit interest taxable?
Yes, interest is added to your income and taxed at your slab rate. This estimate is before tax.