RD Calculator

↻ Updated FY 2026-27

See what your recurring deposit matures to. Enter a monthly deposit, rate and tenure — interest compounds quarterly, so earlier deposits earn more.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Monthly deposit

Interest rate

Tenure

5.0 years

Maturity value

₹3,58,807

after 60 months

Total deposited

₹3,00,000

₹5,000/mo

Interest earned

₹58,807

at 6.70% p.a.

Deposits vs interest

Deposits₹3,00,000

Interest₹58,807

ASSUMPTIONS — Each monthly deposit earns interest that compounds quarterly, which is how the Post Office Recurring Deposit is calculated — earlier deposits compound for longer. The default rate is the Post Office RD rate for the Jul–Sep 2026 quarter, revised quarterly by the Ministry of Finance. Bank RD rates differ. Figures are before tax on interest.

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FD PPF Post Office MIS

Sources & rate references

·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.