Post Office Recurring Deposit (RD) is a type of savings scheme offered by post offices where individuals can deposit a fixed amount regularly (monthly) for a pre-defined tenure and earn guaranteed interest on the accumulated amount. It is an excellent investment option for those who prefer disciplined savings with minimal risk. We have developed this Post Office RD calculator to estimate and find the maturity value of the recurring deposit. Post Office RD Calculator lets you quickly calculate monthly deposits, interest earned and maturity amount for India Post recurring deposits, helping you plan long-term savings with guaranteed government-backed returns.

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Post Office RD Calculator is an online tool designed to estimate the maturity value and total interest you can earn from a Post Office Recurring Deposit (RD) under the India Post small savings scheme. By entering your fixed monthly deposit amount, the official RD interest rate and the standard 5-year tenure (or extended period if allowed), the calculator applies the prescribed RD formula and quarterly compounding to show how your small monthly savings grow into a lump sum at maturity.​

The tool helps savers understand how changing the monthly contribution or interest rate impacts the final RD corpus and makes it easier to plan goal-based investments for education, marriage, emergency funds or other long-term needs. It is especially useful for conservative investors who prefer secure, government-backed returns and want a clear view of how disciplined, fixed monthly deposits into a Post Office RD can build sizeable wealth over time

Features of Post Office RD Calculator:

1. Regular Deposits:
   You invest a fixed amount every month, making it easier to save systematically.
2. Fixed Tenure:
   The tenure usually ranges from 6 months to 10 years.
3. Interest Rates:
   The interest rates are fixed and compounded quarterly, providing higher returns over time.
4. Risk-Free Investment:
   RD is ideal for risk-averse individuals as it provides assured returns.

Benefits of Recurring Deposit:

1. Guaranteed Returns:
   Your returns are not affected by market fluctuations.
2. Disciplined Saving:
   Helps you cultivate a habit of regular savings.
3. Low Minimum Investment:
   You can start an RD with as little as ₹100 per month in most banks or post offices.
4. Premature Withdrawal:
   Though not encouraged, you can withdraw the amount before maturity in emergencies (with some penalty).

Who Should Choose RD?

• Individuals looking for safe and stable returns.
• People with small, regular incomes who wish to save systematically.
• Ideal for achieving short-term goals like vacations, gadgets, or emergency funds.

Post Office RD Features:

• Interest Rate: 6.2% (as of now).
• Tenure: Fixed 5 years (60 months).
• Compounding: Interest is compounded quarterly.

How to Use the Post Office RD Calculator ?

1. Enter Monthly Deposit Amount:
   Input the amount you plan to deposit monthly.
2. Enter Interest Rate:
   By default, the interest rate is set to 6.2% (current Post Office RD rate), but you can modify it if needed.
3. Enter Tenure:
   Provide the RD tenure in months (e.g., 60 months for 5 years).
4. Click Calculate:
   View results showing:
   • Total Deposited Amount
   • Maturity Amount after the specified tenure.

Benefits of Using This RD Calculator:

1. Accurate Calculations:
   Instantly computes RD maturity amount using the compounding formula.
2. Customizable:
   Allows users to experiment with different deposit amounts, interest rates, and tenures.
3. Financial Planning:
   Helps in determining the right RD amount to meet future financial goals.
4. Risk-Free:
   Suitable for risk-averse individuals, providing guaranteed returns.