Online Post Office Fixed Deposit (Time Deposit) Calculator
Use the Stashfin Post Office FD Calculator to estimate returns on National Savings Time Deposits. Compare the 7.5% tax-saving 5-year TD against bank FDs. Plan your wealth for FY 2026-27 with zero TDS and a government guarantee.
Calculate your EMI
Flexible loan amount & tenure Instant EMI estimate, no guesswork Apply directly from the calculator Take a step further. Calculate your available credit line.
This is an estimate. Actual EMI may vary based on lender terms. What is a Post Office FD & Why Use This Calculator?
The National Savings Time Deposit (TD), commonly known as the Post Office Fixed Deposit, is a high-safety investment backed by the Government of India. With interest rates often outperforming major bank FDs in 2026, it is a staple for risk-averse investors.
Why use this calculator?
Quarterly Compounding Logic: Post Office FDs compound interest quarterly but pay it out annually—this calculator handles that math for you.
Effective Yield: Move beyond the nominal rate to see your actual annualized return (e.g., 7.5% nominal ≈ 7.71% effective).
Tax Impact Analysis: Specifically evaluate the 5-year TD to see your Section 80C tax savings.
Sovereign Security: Unlike bank FDs (insured up to ₹5 Lakh), Post Office deposits carry an unlimited sovereign guarantee.
Post Office FD Calculator
A Monthly Budget EMI Calculator is a handy tool that helps you figure out the monthly installment (EMI – Equated Monthly Instalment) you'd need to pay when taking a home loan. It's an efficient way to plan your repayments and keep your finances in check.
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Frequently Asked Questions
Find answers to common questions about our personal loan services and application process.
Post Office FDs offer a sovereign guarantee and do not deduct TDS at the source. Bank FDs are insured up to ₹5 Lakh by DICGC and must deduct 10% TDS if interest exceeds ₹40,000 (₹50,000 for seniors).
