Post Office FD Calculator
Estimate your Post Office Time Deposit annual interest payouts, principal returned at maturity and post-tax interest, then compare the same money with gold and Spare8+.
Minimum ₹1,000 in multiples of ₹100. Calculator limit: ₹50 lakh; the scheme has no maximum.
The selected term determines the scheme rate shown above.
Interest is calculated quarterly and paid annually. Interest already due for payment does not earn further interest in the Time Deposit account.
Post Office FD interest rates
Published Post Office (India Post) fixed deposit rates by tenure, including general public and senior citizen columns where applicable. Select a term above to apply its matching rate and estimate annual payouts, total interest and tax impact. For a wider view, see our sourced five-year FD and RD rate comparison.
| Tenure | General public | Senior citizen |
|---|---|---|
| 1 year Time Deposit | 6.90% | 6.90% |
| 2 year Time Deposit | 7.00% | 7.00% |
| 3 year Time Deposit | 7.10% | 7.10% |
| 5 year Time Deposit | 7.50% | 7.50% |
- Post Office FD tenures range from 1 year to 5 years.
- Minimum deposit of about ₹1,000 to open an FD.
- General public rates are 6.9% to 7.5% p.a. for the table shown.
- Loan or overdraft against the FD is usually available.
- Premature withdrawal is allowed, typically with a small penalty.
Rates are for information only, as of 30 Jun 2026. Source: India Post savings schemes. Post Office Time Deposit rates are notified by the Ministry of Finance and do not have a separate senior-citizen add-on. Confirm the latest Post Office (India Post) FD rates before investing.
Saving monthly instead? Compare the Post Office RD calculator.
Same ₹1,00,000. Same 5 years.
An FD locks in a fixed rate. Gold has grown faster over the long run, and Spare8+ adds a fixed 5% reward on top of gold's growth.
Post Office figures include annual payouts without reinvestment; gold and Spare8+ figures are end-of-term projections.
Gold and Spare8+ figures use expected annual returns of 11% and 5%; they are not guaranteed and exclude 3% GST, buy/sell spreads, fees and taxes. FD terms vary by institution. This is educational information, not financial advice.
Put eligible gold to work.
Buy gold, or use what you hold
Buy 24K gold on Spare8 from ₹10, or lease gold already in your Spare8 locker. Every gram is 99.9% pure and held in insured Augmont vaults.
Lease it to bank-verified jewellers
Pick how many grams to lease, enter a few details and verify your PAN. That's it.
Review the available reward
Eligible opportunities may offer approximately 3.5% to 5% p.a. in gold grams, depending on the opportunity and its terms. Review the current rate and disclosures in the app.
Keep your FD. Move a slice to gold.
Your FD gives you certainty. A small share in Spare8+ gives that money a chance to grow faster, without betting everything on it.
- Opportunity-specific reward, credited in gold grams
- Backed 1:1 by 24K gold in insured Augmont vaults
- Terms and exit availability are shown for each opportunity
Post Office figures include annual payouts without reinvestment; gold and Spare8+ figures are end-of-term projections.
What is an FD calculator?
A Post Office Time Deposit accepts a lump sum for an initial term of 1, 2, 3 or 5 years. This calculator estimates annual interest payouts and the principal returned at maturity.
Interest is calculated quarterly and paid annually. Interest already due for payment does not earn further interest in the Time Deposit account. The calculator shows interest after simplified tax and compares total payouts with 24K gold and Spare8+ projections.
How to use it
- Enter your deposit: type it or tap a preset.
- Choose 1, 2, 3 or 5 years to apply the matching scheme rate.
- Review annual interest payouts and the principal returned at maturity.
- Pick your tax slab to see what you keep after tax.
Post Office annual payout formula
Spare8+ value formula
Post Office FD calculator FAQs
Where profits meet peace of mind.
Buy 24K gold from ₹10 and explore eligible Spare8+ leasing opportunities. Available reward rates and terms are shown in the app, and the rupee value of gold can rise or fall.
Methodology: Interest is calculated quarterly and paid annually. Interest already due for payment does not earn further interest in the Time Deposit account. Annual interest is rounded to the nearest rupee (half a rupee rounds up), then multiplied by the selected 1, 2, 3 or 5-year term. Total principal + interest payouts includes the original principal and these annual payouts without reinvestment; gold and Spare8+ figures are end-of-term projections. The tax option applies a simplified slab percentage to FD interest only and excludes cess, surcharge, TDS timing and individual circumstances. Gold and Spare8+ comparisons use expected annual returns of 11% and 5%, not a prediction or promise. They exclude 3% GST, spreads, fees and taxes. Review current product terms and consider professional advice before acting.