Maturity Amount
₹ 3.59 L
Effective Rate: 6.70%
📊 Your Savings Journey
60
Total Deposits
19.6%
Total Return
What Is a Post Office RD Calculator?
Post Office RD Calculator is a free online tool that works out how much your recurring deposit will be worth at maturity. Enter the monthly installment, the interest rate, and the tenure, and it instantly shows your maturity amount and the total interest you will earn.
Calculator4u.ai is an independent calculator platform and is not connected to Post Office. The calculator is currency neutral and works for any recurring deposit, anywhere.
How Does the Post Office RD Calculator Work?
The tool takes your inputs and applies the standard recurring deposit math: each monthly installment earns interest, and the tool compounds it just the way a bank does, so every contribution grows until maturity.
Everything recalculates live as you adjust the sliders or type new numbers, so you can compare different amounts, tenures, and rates side by side before you commit.
The Post Office RD Calculator Formula
The recurring deposit math is standard and transparent.
FORMULA
A = [M x ((1 + r)^n - 1) / r] x (1 + r)
A is the maturity amount, M is the monthly installment, r is the monthly interest rate, and n is the number of months. Each installment earns interest, and the tool compounds it to maturity.
Post Office RD Calculator Example
Suppose you use the calculator with a representative Post Office rd rate of 6.7% per year. The tool runs the numbers and returns approximately the following results.
| Input | Value |
|---|---|
| Monthly deposit | 5,000 |
| Tenure | 5 years |
| Interest rate | 6.7% |
| Maturity amount | ~355,199 |
Figures are rounded estimates for planning only. Actual returns and maturity values depend on the rate your bank or fund offers and, for SIPs, on real market performance.
How to Use the Post Office RD Calculator
Step 1 - Enter your amount. Type in or drag the slider to your deposit or monthly investment.
Step 2 - Set the rate. Post Office recurring deposit rates currently sit around 6.7% per year. Use the exact rate you are quoted for the most accurate result.
Step 3 - Choose the tenure. Pick how long you want the money to grow.
Step 4 - Read your results. Your maturity amount and total interest appear instantly, with a chart that splits your contributions from the returns you earned.
Why Use the Post Office RD Calculator?
It is completely free. No charges, no account, no personal information required.
Fast and accurate. Results come straight from the standard formula, so the math is reliable and instant.
Compare scenarios easily. Change the amount, rate, or tenure and watch the maturity value move, so you can find the plan that suits you.
It handles fractional rates. Use 7.1% or 6.75% — the calculator works with any rate you enter.
FAQs
It is a free tool that projects the maturity amount of a recurring deposit, given the monthly installment, the interest rate, and the tenure.
Disclaimer
Calculator4u.ai is an independent calculator platform and is not a bank, mutual fund house, or investment service, and it is not affiliated with or endorsed by Post Office. The Post Office RD Calculator is an educational tool, and every figure it produces is approximate and intended for general planning and illustration only. Interest rates and returns change over time, and for SIPs and other market-linked products, actual returns depend on real market performance and are never guaranteed. Please verify current rates and terms directly with Post Office or your fund provider before making any financial decision.
Related Calculators
- FD Calculator — Plan the maturity value of a fixed deposit.
- RD Calculator — Project returns on a recurring deposit.
- PPF Calculator — Project a long-term Public Provident Fund balance.
- SIP Calculator — Estimate the future value of systematic investments.
- Compound Interest Calculator — See how savings grow with compounding.
- Lumpsum Calculator — Estimate returns on a one-time investment.