Post Office RD Calculator
Calculate Your RD Maturity
The Post Office RD Calculator helps you estimate the maturity amount of a 5-year Post Office Recurring Deposit (RD) based on your monthly deposit and the interest rate you enter.
You can use this calculator to estimate your total deposits, interest earned, and expected maturity amount.
The default interest rate is provided for estimation purposes. Post Office small savings interest rates are notified by the Government and may change from time to time.
You can also explore our Free Online Calculators for other useful financial and everyday calculations.
For official Post Office RD rules and account details, you can refer to the information published by India Post.
Check the latest Post Office Interest Rates for October–December 2026 before investing.
What Is Post Office RD?
Post Office Recurring Deposit (RD) is a small savings scheme offered through India Post that allows you to save a fixed amount every month.
Instead of investing a large amount at once, you make regular monthly deposits for the scheme's prescribed tenure. The accumulated deposits earn interest according to the applicable Post Office RD rules.
The standard maturity period for the Post Office RD is 5 years, which means there are normally 60 monthly instalments during the regular term.
For example, if you deposit ₹5,000 every month:
₹5,000 × 60 months = ₹3,00,000 total deposits
The maturity amount can be higher than your total deposits because interest is added according to the applicable scheme rules.
Post Office RD Growth Year by Year
If you deposit ₹1,000 every month in a 5-year Post Office Recurring Deposit (RD) account at an assumed annual interest rate of 6.7%, your savings can grow as shown below.
| Year | Total Deposited | Estimated Value | Interest Earned |
|---|---|---|---|
| Year 1 | ₹12,000 | ₹12,442 | ₹442 |
| Year 2 | ₹24,000 | ₹25,739 | ₹1,739 |
| Year 3 | ₹36,000 | ₹39,949 | ₹3,949 |
| Year 4 | ₹48,000 | ₹55,136 | ₹7,136 |
| Year 5 | ₹60,000 | ₹71,366 | ₹11,366 |
Note: These are estimated year-end values, not separate maturity payouts. The calculation assumes a constant 6.7% interest rate and timely monthly deposits. Actual applicable rates and account rules should be confirmed with India Post.
How to Use the Post Office RD Calculator
Using the calculator is simple:
- Enter the amount you want to deposit every month.
- Enter the applicable interest rate.
- Click Calculate Maturity.
- The calculator will show your estimated total deposit, interest earned, and maturity amount.
The calculator uses a 5-year or 60-month tenure for the standard Post Office RD estimate.
Post Office RD Interest Rate
The interest rate used by the calculator is an editable input because Post Office small savings rates are government-notified and can change over time.
The default rate can be updated whenever the applicable rate changes.
Always check the latest official Post Office or Ministry of Finance notification before making an investment decision.
Current Post Office RD Interest Rate (October–December 2026): 6.7% per annum, compounded quarterly. Interest rates may change in future quarters. Please verify the latest rate on the official India Post website before investing.
Minimum Monthly Deposit
The minimum monthly deposit for a Post Office RD is ₹100.
Deposits can be made in multiples of ₹10.
For example, you can choose amounts such as:
- ₹100
- ₹500
- ₹1,000
- ₹2,000
- ₹5,000
There is no need to deposit a large amount at once. The purpose of an RD is to build savings through regular instalments.
Post Office RD Tenure
The standard Post Office RD account has a maturity period of 5 years.
This means that a regular 5-year RD generally involves:
5 years × 12 months = 60 monthly deposits
For example, with a monthly deposit of ₹5,000, your total deposits over 60 months would be:
₹5,000 × 60 = ₹3,00,000
Interest is added according to the applicable Post Office RD rules.
How Is Post Office RD Interest Calculated?
A Post Office RD is different from an investment where the entire amount is deposited on the first day.
In an RD, money is deposited month by month. Each instalment contributes to the overall maturity value, and interest is calculated according to the scheme's prescribed method.
Therefore, you should not calculate the maturity amount simply by applying a standard FD compound-interest formula to the total amount deposited.
The calculator provides an estimate based on the entered monthly deposit and interest rate. Last updated: October 2026.
Is There a Maximum Deposit Limit?
The official Post Office RD scheme specifies a minimum monthly deposit and the permitted multiples for deposits. The scheme does not specify a maximum deposit limit in the same way that some other small savings schemes have annual limits.
This makes RD useful for people who want to build regular monthly savings according to their financial capacity.
Who Can Open a Post Office RD Account?
A Post Office RD account can generally be opened by:
- An adult
- Two adults jointly
- A guardian on behalf of a minor
- A minor who has reached the applicable age under the scheme rules
The exact account-opening requirements are subject to the current Post Office rules.
What Happens If an RD Instalment Is Late?
Regular monthly deposits are important in an RD.
If an instalment is not deposited on time, the account may be treated as being in default and applicable rules can provide for recovery or revival subject to the prescribed conditions.
Therefore, it is better to choose a monthly amount that you can comfortably deposit on time.
Can You Withdraw Money Before 5 Years?
Post Office RD has provisions for premature closure, but conditions apply.
Under the applicable rules, premature closure may be permitted after the required minimum period, subject to the scheme's conditions and applicable interest rules.
Therefore, an RD should generally be considered a planned savings investment rather than an account for frequent withdrawals.
Can You Take a Loan Against Post Office RD?
Loan facilities may be available against a Post Office RD after meeting the applicable eligibility conditions.
The availability, amount, interest, and other conditions are governed by the current Post Office rules.
Check the latest official rules before applying for a loan against an RD account.
Post Office RD Calculation Example
Example: ₹5,000 Monthly Deposit for 5 Years
If you deposit ₹5,000 every month in a 5-year Post Office RD account at an assumed interest rate of 6.7% per annum:
- Total Deposit: ₹3,00,000
- Estimated Interest: ₹56,829
- Estimated Maturity Amount: ₹3,56,829
This is an estimate based on the selected interest rate and the standard 5-year Post Office RD calculation method. Please confirm the applicable rate and terms with India Post.
The exact maturity amount depends on the applicable interest rate and the prescribed Post Office RD calculation method.
You can change the monthly deposit and interest rate in the calculator above to estimate a different result.
Why Use a Post Office RD Calculator?
A Post Office RD Calculator can help you plan regular savings before opening an account.
You can use it to:
- Estimate your total deposits
- Estimate interest earned
- Estimate the maturity amount
- Compare different monthly deposit amounts
- Plan a 5-year savings goal
- Understand how regular monthly savings can grow over time
For example, instead of guessing how much you may receive after five years, you can enter different monthly amounts and compare the estimated results.
Important Things to Remember
The result shown by this calculator is an estimate, not a guaranteed maturity amount.
The actual amount can depend on the applicable government-notified interest rate and the official scheme calculation.
Keep the following points in mind:
- Standard RD tenure is 5 years.
- Monthly deposits start from ₹100.
- Deposits can be made in multiples of ₹10.
- Interest rates can change when the Government revises small savings rates.
- Regular monthly deposits are important.
- Premature closure and loan facilities are subject to applicable conditions.
- Always check the latest official Post Office rules before investing.
Frequently Asked Questions
What is a Post Office RD?
Post Office RD is a recurring deposit small savings scheme that allows you to make regular monthly deposits and earn interest according to the applicable scheme rules.
What is the minimum monthly deposit in Post Office RD?
The minimum monthly deposit is ₹100.
What is the tenure of Post Office RD?
The standard tenure is 5 years, or 60 months.
Can I deposit more than ₹100 per month?
Yes. You can choose a higher monthly deposit amount, subject to the applicable deposit rules. Deposits can be made in multiples of ₹10.
Is Post Office RD interest fixed for the entire period?
Yes. The interest rate in force when you open the account generally applies for the full tenure. Later rate changes apply to new accounts. Please confirm the applicable terms on the official India Post website.
How much will I get after 5 years in Post Office RD?
It depends on your monthly deposit and the interest rate. For example, at 6.7% per year, ₹5,000 every month for 5 years gives an estimated maturity amount of about ₹3,56,829. Use the calculator above to try other amounts.
Can I close Post Office RD before 5 years?
Premature closure is possible subject to the applicable Post Office rules and conditions. It is not the same as withdrawing money freely at any time.
Is the amount shown by this calculator guaranteed?
No. The calculator provides an estimate. The actual maturity amount is determined according to the applicable Post Office rules and government-notified interest rate.
Final Thoughts
Post Office RD can be useful for people who prefer disciplined monthly savings instead of making a single large investment.
By depositing a fixed amount every month for five years, you can build a planned savings corpus while earning interest under the applicable Post Office RD rules.
Use the Post Office RD Calculator above to estimate your total deposits, interest, and expected maturity amount before planning your investment.
For the latest rules, interest rates, and account-related information, always refer to official India Post and Government of India sources.
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