Post Office FD Calculator
Post Office FD Calculator is an online tool that helps you calculate the maturity amount and interest earned on your post office fixed deposit using compounding frequency. Simply enter your deposit amount, tenure, and interest rate to get instant and accurate results.
How to Use the Post Office FD Calculator?
To use the Post Office FD Calculator, enter your deposit amount, interest rate, and tenure to instantly calculate your maturity amount and interest earned.
- Enter your investment amount
- Enter the applicable interest rate (%)
- Select the tenure (1 to 5 years)
The calculator will instantly show:
- Total investment
- Interest earned
- Maturity amount
Post Office FD Formula
The Post Office FD maturity amount is calculated using the formula:
A = P (1+r/n) ^ (n * t)
Where:
- A = Maturity amount
- P = Principal amount
- r = Annual interest rate
- n = Compound Frequency
- t = Tenure in years
Interest is compounded quarterly (every 3 months).
How Interest is Calculated in Post Office FD
Interest on Post Office FDs is compounded quarterly, meaning interest is added to the principal every three months. Future interest is calculated on the updated balance, helping your investment grow steadily over time.
Example of Post Office FD Calculation
Example: ₹2,00,000 for 5 years @ 7.5%
- Principal: ₹2,00,000
- Rate: 7.5% p.a.
- Compounding: Quarterly
- Tenure: 5 years
Estimated Maturity Amount: ₹2,90,000
Total Interest Earned: ₹90,000
Post Office FD Interest Rates 2026
Tenure | Interest Rate |
| 1 Year | 6.90% |
| 2 Years | 7.00% |
| 3 Years | 7.10% |
| 5 Years | 7.50% |
Note: Interest rates are set by the Government of India and are revised quarterly.
Why Use the Post Office FD Calculator?
A Post Office FD Calculator helps you estimate your returns quickly and make better investment decisions.
- Instantly calculates maturity amount and interest earned
- Helps compare returns across different tenures
- Enables better financial planning
- Eliminates manual calculation errors
Benefits of Post Office Fixed Deposit
- Government-backed investment with high safety
- Fixed and guaranteed returns
- Flexible tenure options (1 to 5 years)
- Suitable for conservative investors
Post Office FD vs Bank FD vs NSC
Feature | Post Office FD | Bank FD | NSC |
| Risk | Very Low (Government-backed) | Very Low | Very Low |
| Returns | Fixed | Fixed | Fixed |
| Interest Rate | Moderate | Moderate | Slightly Higher |
| Tenure | 1–5 years | 7 days–10 years | 5 years |
| Liquidity | Moderate | High | Low (lock-in) |
| Best For | Safe investment | Flexibility | Tax-saving |
A Post Office Fixed Deposit is a safe and reliable way to grow your savings, and using a Post Office FD Calculator makes it simple, fast, and accurate to plan your investments.
Frequently Asked Questions
About the Author
REPAKA PAVAN ADITYA
I manifest my zeal in financial qualitative & quantitative research and have been instrumental in creating a robust process for the evaluation and monitoring of mutual funds. I’m responsible for Equity and Mutual Funds Research while creating instrumental mathematical models for portfolio construction after evaluating funds, and I play an integral role in analyzing changes in mutual funds, micro, and macro-economic indicators, and equity market events and trends. My views on asset classes which are integral in creating an investment strategy for any profile. Read more
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