Home Calculators Post Office RD Calculator

Indian Post Office RD (Recurring Deposit) Calculator Online

Calculate the your returns based on the power of compound interest calculator

I know my

Goal Amount

Expected Return (P.A)

Time Period


To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.


To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.

Total Investment Breakup

Lumpsum Investment

Interest Earned

Total Investment

Year Investment
Amount (₹)
Gained (₹)
Amount (₹)

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Post Office Recurring Deposit Calculator

All you need to know about Post Office RD Calculator

A Post Office Recurring Deposit (RD) is a popular savings option that allows you to invest a fixed amount of money regularly for a predetermined period. It is a low-risk investment offered by the Post Office with attractive interest rates. 

However, calculating the maturity amount and interest earned on your RD manually can be time-consuming and prone to errors. This is where a Post Office RD Calculator comes to your rescue. It is a valuable online tool designed to simplify the process of estimating the maturity amount and interest earned on your Post Office RD investment.

What is a Post Office RD Calculator?

The Post Office RD Maturity Calculator is a convenient online tool that helps you estimate the maturity amount and interest earned on your Recurring Deposit (RD) account. To calculate the maturity amount, interest earned and total returns on your investment, you will need to provide the following details:

  • Monthly Deposit
  • Tenure 
  • Current Interest Rate

How Can a Indian Post Office RD Calculator Help You?

A RD Calculator Post Office  can be incredibly helpful in various ways, making it easier for you to manage your Recurring Deposit (RD) investments effectively. Here’s how it can assist you:

  • Accurate Maturity Estimation: By inputting the monthly deposit, tenure, and current interest rate, the postal RD calculator provides a precise estimate of the maturity amount you can expect when your RD account matures. This helps you plan your finances better and set realistic financial goals.


  • Interest Calculation: The Post Office RD Interest Rate calculator allows you to determine the total interest earned on your RD investment. It calculates the interest amount based on the monthly deposit, tenure, and interest rate. Understanding the interest earned empowers you to make informed decisions about your investment strategy.


  • Easy Comparison: If you are considering multiple RD options, the Indian Post RD calculator can be a handy tool to compare the potential returns of each option. By changing the input values, you can see how the maturity amount and interest vary, enabling you to make a well-informed choice.

Formula for Calculating Post Office RD

A Post Office RD interest calculator utilizes a formula similar to regular RD calculators, with the addition of specific interest rates offered by the Post Office for different tenures. 

The formula is:


A = P(1 + r/n) ^ nt



  • A = Maturity amount
  • P = Principal amount
  • r = Interest rate
  • n = Number of times interest is compounded per year
  • t = Tenure of the RD

Example for Post Office RD Calculator Online

For instance, suppose you invest 5,000 per month in a Post Office RD with a 6.5% interest rate compounded quarterly.

After 5 years, the maturity amount will be:

A = 5,000 (1 + 0.01625) ^ (5 * 4) = 73,223.81

How to Use smallcase Post Office RD Calculator?

Follow the step-by-step instructions to use smallcase Post Office RD Calculator:


Step 1: Enter the amount you wish to invest in a Post Office RD. 

Step 2: Slide the bar to the expected rate of return that you wish to have.

Step 3: Enter the time period for which you are going to invest in a post office RD


At last, the smallcase Post Office RD calculator will show accurate results within a few seconds.

How to Open Post Office RD Account?

Opening a Post Office RD account is a straightforward process. Follow these steps:

  1. Visit any post office in India.
  2. Submit the required documents, including a copy of your PAN card, Aadhaar card, a passport-size photograph, and proof of address.
  3. The post office will open your RD account.
  4. Start depositing money into your account each month as per your desired amount.

What is the Current Post Office RD Interest Rate?

The current RD rate of interest in the Post Office is 6.50% for a 5-year tenure. The interest rate is subject to change, so it is important to check the latest rates before you invest.

Advantages of Using Post Office RD Calculator

Advantages of Using a PO RD Calculator:


  • Time-Saving: Manual calculations for various RD scenarios can be time-consuming and prone to errors. The Postal RD interest calculator post office automates the process, providing instant and accurate results.


  • Goal Setting: Using the calculator, you can set specific financial goals and determine the required monthly deposit and tenure to achieve them. This aligns your RD investment with your financial objectives.


  • Ease of use: A Post Office RD Scheme Calculator is very easy to use. You simply need to enter the amount you want to deposit each month, the tenure of the RD account, and the current interest rate. The Post Office RD Calculator will then calculate the maturity amount, interest earned, and total returns on your investment.


  • Planning: Post Office RD calculators can help you plan your finances. You can use them to see how much money you will have in the future if you invest a certain amount each month.


In short, the Recurring Deposit Calculator Post Office simplifies the investment process, empowering you to make informed decisions, optimize returns, and achieve your financial aspirations.

Frequently Asked Questions

What is the highest interest rate offered by the post office on RD?

The highest interest rate offered by the post office on RD is 6.70% for a 5-year tenure for senior citizens. For other individuals, the highest interest rate is 6.50% for a 5-year tenure.

Is there any extra privilege for senior citizens in the Indian Post office RD scheme?

Yes, there are some extra privileges for senior citizens in the Indian Post office RD scheme. Senior citizens are eligible for an additional interest rate of 0.50% on their RD deposits. This means that they can earn a maximum interest rate of 6.70% on their RD deposits, if they opt for a 5-year tenure.

Are post office RDs free from tax?

Post office RDs are not free from tax. The interest earned on RD deposits is taxable under the Income Tax Act, 1961. However, you can claim a deduction under Section 80C of the Income Tax Act for the interest earned on RD deposits up to a maximum of Rs. 1.5 lakhs per annum.

. What is the RD rate for 5 years post office?

The RD rate for 5 years post office is 6.50% for individuals and 6.70% for senior citizens.

Can I withdraw my money before the maturity date of my Post Office RD account?

Yes, you can withdraw your money before the maturity date of your Post Office RD account. However, you will have to pay a penalty for early withdrawal. The penalty is calculated as a percentage of the interest that you would have earned if you had left your money in the account until maturity

Can I use the Post Office RD Calculator to calculate my savings for multiple tenures?

Yes, you can use the Post Office RD Calculator to calculate your savings for multiple tenures. The calculator will allow you to enter the amount you want to deposit each month, the tenure of the RD account, and the interest rate. The calculator will then calculate the maturity amount, interest earned, and total returns on your investment for each tenure.

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