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India Post calculator.
Model every Post Office small savings scheme in one place — PPF, Sukanya Samriddhi, NSC, Kisan Vikas Patra, Senior Citizen Savings, Monthly Income Scheme, Recurring Deposit and Time Deposit — with what the maturity is really worth after inflation.
India Post Small Savings Calculator
Compare Post Office schemes — PPF, SSA, NSC, KVP, SCSS, MIS, RD and Time Deposit — with inflation-adjusted maturity values.
Public Provident Fund (PPF)
15-year lock-in, EEE tax status. Annual deposit limit ₹1.5 lakh.
Total deposited
₹22,50,000
Interest earned
₹18,18,209
Maturity value
₹40,68,209
Value in today's money
₹16,97,522
At 6% inflation your real return is ≈ 1.0% p.a. Rates are the latest notified small-savings rates and are reviewed quarterly — edit the rate field to model a revision.
How these schemes are calculated
PPF and Sukanya Samriddhi compound annually on deposits made each year. NSC and KVP compound annually on a single deposit and pay out at maturity. Time Deposits and Recurring Deposits compound quarterly. SCSS and the Monthly Income Scheme return your principal at the end of the term and pay interest out periodically, so nothing compounds — which is why their inflation-adjusted value looks very different from a compounding scheme.
Where should small savings sit in your plan?
Guaranteed schemes are a floor, not a portfolio. We map them against your goals, tax slab and liquidity needs.