Post Office Fixed Deposit Calculator

Post Office Fixed Deposit (FD) Scheme - Complete Guide

The Post Office Fixed Deposit (FD) is a government-backed investment scheme offering guaranteed returns with flexible tenure options. Our advanced calculator helps you plan your FD investments with precision, accounting for all real-world factors.

Key Features of Post Office FD

• Government Backed: 100% secure with sovereign guarantee
• Flexible Tenure: From 1 year to 5 years (extendable)
• Higher Rates for Seniors: Additional 0.5% interest for senior citizens
• Multiple Interest Payouts: Quarterly, half-yearly, yearly or at maturity
• Tax Benefits: No TDS for interest below threshold limits

Advanced Features of Our Calculator

• Tabbed Interface: Calculator, Comparison, Tax Analysis, and Projection tabs
• Flexible Interest Payout Options: Compare different compounding frequencies
• Senior Citizen Mode: Automatically adds extra 0.5% interest
• Detailed Tax Calculations: Estimates TDS based on current rules and your income
• Inflation Adjustment: Shows real value of your maturity amount
• Investment Comparison: Compare with other investment options
• Long-term Projections: See your investment growth over 20-30 years

How Post Office FD Compares

Compared to Post Office RD, FDs offer higher interest rates but require lump sum investment. When compared to Sukanya Samriddhi Yojana, FDs offer more flexibility but lower tax benefits.

For more financial planning tools, explore our complete calculator collection or learn about tax-saving options.