Post Office FD (Time Deposit) Calculator
Post Office time deposits pay 6.9% (1 yr), 7.0% (2 yr), 7.1% (3 yr) and 7.5% (5 yr) for October–December 2026.
Interest is calculated quarterly but paid out once a year — ₹771 a year on ₹10,000 for the 5-year deposit.
How to use the Post Office FD Calculator
- Enter the deposit amount (minimum ₹1,000).
- Choose the tenure: 1, 2, 3 or 5 years (the rate fills in automatically).
- See the annual payout, total interest and what you'd have if you reinvested each payout.
Examples
₹10,000 for 5 years
Input: ₹10,000, 5-year TD @ 7.5%
Result: ₹771 interest per year; ₹13,857 total payout
Frequently asked questions
Is Post Office FD interest compounded?
It is calculated with quarterly compounding within each year but paid out annually, so the payout itself does not compound unless you reinvest it.
Which Post Office FD saves tax?
Only the 5-year time deposit qualifies for the tax-saving deduction (old regime). The interest is taxable in all tenures.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-30 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.