Post Office RD Calculator
Advanced Options
Year-wise Maturity Calculation
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Post Office Recurring Deposit (RD) Scheme - Complete Guide
The Post Office Recurring Deposit (RD) is a government-backed savings scheme that offers guaranteed returns with quarterly compounding interest. Our advanced calculator helps you plan your RD investments with precision, accounting for all real-world factors.
Why Use Our Advanced RD Calculator?
- Dual Tenure Input: Enter duration in years or months with easy toggle
- Tax Calculations: Optional TDS deduction estimates
- Inflation Adjustment: See real value of your maturity amount
- Detailed Breakdown: Year-by-year growth visualization
- Interactive Sliders: Enhanced thumb design for better control
How Post Office RD Compares
Compared to bank fixed deposits, Post Office RD offers similar safety but with monthly deposit flexibility. When stacked against mutual fund SIPs, RDs provide guaranteed returns but typically lower long-term growth.
Advanced Calculation Methodology
Our calculator uses precise quarterly compounding formulas as per Post Office guidelines:
- Accurate interest calculation for each quarter
- Tax calculations based on current TDS rules
- Inflation adjustment using standard 3% rate (customizable)
- Detailed year-end balance reporting
For more financial planning tools, explore our complete calculator collection or learn about tax-saving options.