Savings Calculators

Comparing Post Office Savings Schemes: Lump Sum vs Monthly Income vs Recurring Deposit

The same ₹9,00,000, put into POMIS versus POTD, earns noticeably different total interest over 5 years — because POMIS pays income out monthly without compounding, while POTD reinvests every quarter's interest until maturity.

How an Extended PPF Account's Maturity Value Is Calculated

Extending a PPF account past its initial 15-year term compounds the existing balance at the current PPF rate for the extension period, and — if you continue contributing — adds a second growing stream from the new deposits on top of it.

How Post Office Monthly Income Scheme Payouts Are Calculated

POMIS pays a fixed monthly income equal to the annual interest rate divided by 12, applied to your deposit — interest isn't compounded, and the full principal comes back unchanged at the 5-year maturity.

How Post Office Time Deposit Maturity Is Calculated

A Post Office Time Deposit compounds quarterly for its full tenure, so both the interest rate and the number of years chosen directly shape how much the deposit grows by maturity.

How the Maximum PPF Partial Withdrawal Is Calculated

A PPF account's partial withdrawal limit is 50% of whichever is lower — the balance at the end of the immediately preceding financial year, or the balance at the end of the 4th preceding year — a rule that specifically protects against withdrawing against a recent lump-sum deposit.