Calculate Post Office Fixed Deposit maturity amount and interest earned based on current Post Office FD rates.
Using our Post Office FD Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.
All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.
The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.
A = P × (1 + r/n)^(n×t)Where A = Maturity amount, P = Principal (deposit amount), r = Annual interest rate / 100, n = Compounding frequency (4 for quarterly), t = Tenure in years.
₹5 Lakh FD at 7% for 5 years
Maturity: ₹7,10,678 | Interest: ₹2,10,678
₹10 Lakh FD at 7.5% for 3 years
Maturity: ₹12,50,751 | Interest: ₹2,50,751
Our FD Calculator helps you estimate the maturity amount of your Fixed Deposit investment. Calculate interest earned with quarterly compounding and compare returns across different interest rates and tenures to make the best investment decision.
The Post Office FD Calculator is designed to help you estimate your maturity returns and wealth growth specifically using Post Office's current offerings. Our calculator helps you plan your biggest financial decisions with complete precision and zero signup required.
Post Office is one of India's leading financial institutions offering competitive interest rates, flexible tenures, and reliable service.
FD interest uses compound interest: A = P × (1 + r/n)^(n×t), where P = principal, r = annual rate, n = compounding frequency (4 for quarterly), t = tenure in years. A ₹1 lakh FD at 7.5% for 3 years with quarterly compounding gives a maturity amount of approximately ₹1,25,023 — interest earned is ₹25,023. Use the free FD Calculator on AbacusHand to calculate your exact result instantly.
In a simple interest FD, interest is calculated only on the principal. A ₹1 lakh FD at 7% for 3 years = ₹21,000 interest. In compound interest FD, interest is added to the principal each period and earns further interest. The same ₹1 lakh at 7% compounded quarterly for 3 years earns ₹23,144 in interest. Most Indian bank FDs compound quarterly, making them more beneficial for longer tenures. Use the free FD Calculator on AbacusHand to calculate your exact result instantly.
As of 2026, small finance banks offer FD rates up to 8.5–9.0% p.a. Among major banks: SBI offers up to 7.25%, HDFC Bank up to 7.40%, ICICI Bank up to 7.35%, Kotak Mahindra Bank up to 7.40%, and Axis Bank up to 7.75% for 1–3 year tenures. Senior citizens get an additional 0.50% preferential rate across tenures (up to 7.90% at Kotak Bank). Use the free FD Calculator on AbacusHand to calculate your exact maturity value instantly.
FD (Fixed Deposit) involves depositing a lump sum once and earning interest over the tenure. RD (Recurring Deposit) involves depositing a fixed amount every month. A ₹1 lakh FD at 7.5% for 1 year earns ₹7,763. An RD of ₹10,000/month for 12 months at the same rate earns approximately ₹4,016 — since contributions are spread over time. FD suits those with a lump sum; RD suits regular savers. Use the free FD Calculator on AbacusHand to calculate your exact result instantly.
Senior citizens (age 60+) receive a preferential FD rate, typically 0.25–0.75% higher than the regular rate. As of 2026, SBI offers 7.75% for senior citizens vs. 7.25% for general depositors on select tenures, and Kotak Bank offers 7.90%. On a ₹5 lakh FD at 7.75% for 3 years (quarterly compounding), senior citizens earn approximately ₹1,28,000 in interest vs. ₹1,16,000 at the regular rate — a ₹12,000 benefit. Use the free FD Calculator on AbacusHand to calculate your exact result instantly.
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