Post Office RD Calculator
Estimate your Post Office recurring deposit maturity, interest and post-tax return, then compare the same monthly saving with a Gold SIP.
Published rates 6.7% p.a. · as of 1 Jul 2026
Same habit. Fewer rules.
A Gold SIP works like an RD: a fixed amount, on autopay. Your deposits grow the same either way; the difference is what they grow with.
Gold growth uses a ~11% p.a. long-term average with illustrative ups and downs; it is not guaranteed and can fall. RD returns are fixed and use quarterly compounding, before tax.
Post Office RD interest rates
Published Post Office (India Post) recurring deposit rates by tenure. Set the matching rate in the calculator above to estimate maturity.
| Tenure | General public | Senior citizen |
|---|---|---|
| 5-year National Savings Recurring Deposit | 6.70% | No separate senior rate |
- Post Office RD tenures usually run from 5 years.
- Minimum monthly deposit is about ₹100.
- Published RD rates for the general public are 6.7% p.a. for the table shown.
- Missed instalments, premature closure and penalty rules depend on the bank.
Rates are for information only, as of 1 Jul 2026. Source: Department of Economic Affairs small savings rate notification. Post Office RD is a 5-year National Savings Recurring Deposit account. Small savings rates for 1 July 2026 to 30 September 2026 remain unchanged from Q1 FY 2026-27, and no separate senior-citizen add-on is listed for RD. Confirm the latest Post Office (India Post) RD rates before investing.
"I'd been running a ₹2,000 RD for years. Now half of it goes into gold every month, same habit, and I can pause it whenever I need to."
Everything about RD calculators
What is an RD calculator?
A recurring deposit (RD) lets you save a fixed amount every month with a bank or Post Office, at a fixed interest rate, for a set tenure. You don't need a lump sum. It builds a habit of regular saving, one instalment at a time.
Because every instalment earns interest for a different number of months, working it out by hand is slow. An RD calculator does it instantly and shows what you keep after tax.
How to use the RD calculator
- Enter your monthly deposit: type it or tap a preset.
- Set the interest rate your bank offers.
- Choose the tenure in years.
- Pick your tax slab to see interest after tax.
Why use an RD calculator
- Plan with certainty: know the exact amount your deposits will reach.
- No manual maths: accurate results in seconds.
- Free and unlimited: try different amounts and tenures as often as you like.
How RD maturity is calculated
Most banks compound RD interest quarterly. Each instalment is calculated on its own, then all are added together.
How Gold SIP value is calculated
A Gold SIP buys gold at each instalment. Its value grows with the gold price, so we use a monthly rate derived from the long-term average.
Post Office RD calculator questions
How does the Post Office RD calculator work?
Enter your monthly deposit, set Post Office's RD interest rate and choose the tenure. The calculator compounds each monthly instalment quarterly and shows maturity value, total deposit, interest earned, tax impact and a Gold SIP comparison.
What are the latest Post Office RD interest rates?
Post Office published RD rates in the table run from 6.7% p.a. for the general public, depending on tenure. The rate data is shown as of 2026-07-01. Confirm the current Post Office (India Post) RD rate with the bank before opening an account because rates can change.
What is the minimum monthly deposit for a Post Office RD?
The minimum monthly deposit shown for Post Office is about ₹100. Branch, channel, product variant and customer-type rules can differ, so check the bank's current RD terms before booking.
Is Post Office RD interest taxable?
Yes. RD interest is added to your income and taxed at your slab rate. The calculator's tax option estimates the tax impact on interest, but actual TDS and tax treatment can depend on your total income and bank rules.
Can I stop a Post Office RD before maturity?
Most banks allow premature RD closure, but they may pay a lower rate and charge a penalty. Check Post Office's premature-withdrawal and missed-instalment rules before investing.
Save like an RD.
Grow like gold.
Start a daily, weekly or monthly Gold SIP from ₹10 on UPI autopay. Pause anytime, no penalty.
Methodology. RD maturity sums each monthly instalment compounded quarterly, as most Indian banks and the Post Office calculate it. Gold SIP values use a ~11% p.a. long-term gold price average applied monthly; gold prices can fall and returns are not guaranteed. Tax is simplified to your slab rate on RD interest. Review current bank terms and consult a professional before deciding.