Banking & FD Calculators
FD, RD, post office MIS, SCSS, KVP, NSC and SGB calculators.
Fixed deposits and government small-savings schemes hold the bulk of Indian household financial wealth. This category computes maturity values for every regulated option — bank FDs and RDs (DICGC-insured up to ₹5L), Post Office MIS for monthly income, SCSS for senior citizens at 8.2%, KVP and NSC for medium-term parking, and SGB for gold exposure with a 2.5% interest sweetener. Every tool uses the correct compounding frequency for each scheme — quarterly for FD/SCSS, annual for NSC/PPF, monthly for MIS — so the maturity number you see matches what the bank will actually credit.
FD Calculator
Fixed deposit interest calculator with annual, quarterly and monthly compounding.
RD Calculator
Recurring deposit calculator for post office and bank RD returns.
Simple Interest Calculator
Compute simple interest for loans, deposits and informal lending.
Compound Interest Calculator
Compound interest calculator with flexible compounding frequency.
Sovereign Gold Bond (SGB)
SGB calculator with gold appreciation and 2.5% interest payout.
SCSS Calculator
Senior Citizen Savings Scheme tool for quarterly income planning.
Post Office MIS Calculator
Post office monthly income scheme tool for regular monthly payouts.
KVP Calculator
Kisan Vikas Patra maturity tracker — money doubles in specified months.
NSC Calculator
National Savings Certificate tool for 5-year compounding and tax savings.
Sukanya Samriddhi (SSY)
SSY scheme calculator for girl-child education and marriage planning.
Who these tools are for
- •Conservative investors and senior citizens prioritising capital safety
- •Anyone parking medium-term goals (1-5 years) where equity is too volatile
- •Tax-planners using NSC and SCSS for 80C deductions with safe returns
- •Investors laddering FDs across tenures to balance liquidity and rate risk
India-specific things to know
- →FD interest is fully taxable at slab rate; banks deduct 10% TDS above ₹40k/year (₹50k seniors)
- →SCSS and SSY are EEE — interest is fully tax-free at maturity
- →Small-savings rates are revised every quarter by the Ministry of Finance
- →DICGC insurance covers ₹5L per depositor per bank — split across banks if exceeding