Five schemes, one tool
Switch between MIS, Time Deposit, NSC, KVP and SCSS without losing your amount or start date.
Updated with rates for 1 Oct to 31 Dec 2026
Post Office Calculator MIS, Time Deposit, NSC, KVP & SCSS Returns in One Place
See exactly what your money earns in India Post savings schemes. This free post office calculator uses the latest government interest rates to show your maturity value, total interest, monthly or quarterly payouts and maturity date, and compares all five schemes side by side.
- Latest quarterly rates
- Year-by-year breakdown
- Compare 5 schemes
Post office calculator
Post Office Monthly Income Scheme
Invest a lump sum once and receive interest every month for 5 years. Your deposit is returned at maturity.
5 lakh rupees
Deposit tenure
Account type
Current rate for 1 Oct to 31 Dec 2026 is 7.4%. The rate on the day you open the account stays fixed for the full term.
Monthly income
₹3,083.33
Total interest over 5 years: ₹1,85,000
- You invest
- ₹5,00,000
- Total interest
- ₹1,85,000
- You get back
- ₹6,85,000
- Maturity date
- –
How your money grows
PrincipalInterest earned
| Year | Interest | Paid to you | Value |
|---|
Compare all schemes for ₹5,00,000
Click a scheme to open it in the calculator.
| Scheme | Rate | Tenure | Payout | Total interest | Interest per year |
|---|
Latest rates
Post office interest rates for October to December 2026
The government kept small savings rates unchanged for the third quarter of FY 2026-27. These rates apply to new deposits made from 1 October to 31 December 2026.
| Scheme | Rate | Tenure | How interest is paid | Deposit limit | 80C benefit |
|---|---|---|---|---|---|
| Senior Citizens Savings Scheme | 8.2% | 5 years | Every quarter | Up to ₹30 lakh | Yes |
| Sukanya Samriddhi Yojana | 8.2% | 21 years | Compounded yearly | ₹250 to ₹1.5 lakh a year | Yes |
| National Savings Certificate | 7.7% | 5 years | Compounded yearly, paid at maturity | Min ₹1,000, no maximum | Yes |
| Time Deposit, 5 years | 7.5% | 5 years | Yearly, compounded quarterly | Min ₹1,000, no maximum | Yes |
| Kisan Vikas Patra | 7.5% | 115 months | Doubles at maturity | Min ₹1,000, no maximum | No |
| Monthly Income Scheme | 7.4% | 5 years | Every month | ₹9 lakh single, ₹15 lakh joint | No |
| Public Provident Fund | 7.1% | 15 years | Compounded yearly | ₹500 to ₹1.5 lakh a year | Yes |
| Time Deposit, 3 years | 7.1% | 3 years | Yearly, compounded quarterly | Min ₹1,000 | No |
| Time Deposit, 2 years | 7.0% | 2 years | Yearly, compounded quarterly | Min ₹1,000 | No |
| Time Deposit, 1 year | 6.9% | 1 year | Yearly, compounded quarterly | Min ₹1,000 | No |
| Recurring Deposit | 6.7% | 5 years | Compounded quarterly, paid at maturity | Min ₹100 a month | No |
| Savings Account | 4.0% | Ongoing | Yearly | Min ₹500 | No |
Rates are notified by the Ministry of Finance every quarter. This is the tenth straight quarter without a change. 80C benefits apply only under the old tax regime.
Features
Why use this post office calculator
Most calculators cover one scheme and hide how the number was reached. This one covers the five main lump-sum schemes, shows every year and helps you choose.
Latest official rates
Preloaded with the rates for October to December 2026, and you can edit them if you opened your account earlier.
Payouts you can plan around
See your exact monthly MIS income, quarterly SCSS interest or yearly TD payout, plus the maturity date.
Year-by-year breakdown
A chart and table show interest earned and paid each year, so you can see how compounding schemes grow.
Side-by-side comparison
Compare total and yearly interest across all five schemes for the same amount, with the best option highlighted.
Limit checks built in
Get a clear warning if your amount is below the minimum or above the MIS or SCSS deposit limit.
How to use
How to use the post office calculator
Pick a scheme
Choose MIS, Time Deposit, NSC, KVP or SCSS from the tabs at the top.
Enter the amount
Type your deposit or tap a quick amount. It is shown in lakh and crore as you type.
Check the rate and date
The current rate is filled in. Change it if your account was opened earlier, and set the start date.
Read and compare
Review payouts, maturity value and the yearly table, then compare all schemes below.
Schemes
How each post office scheme works
All five are backed by the Government of India, so your capital is safe. They differ in how and when interest is paid.
Monthly Income Scheme (MIS)
Deposit once and get interest every month for 5 years, then your principal back. Ideal for steady household income.
7.4%Monthly payoutMax ₹9L / ₹15L
Time Deposit (TD)
A fixed deposit for 1, 2, 3 or 5 years. Interest is calculated quarterly and paid yearly. The 5-year TD qualifies for 80C.
6.9% to 7.5%Yearly payout80C on 5 years
National Savings Certificate (NSC)
Interest compounds every year and is paid with your principal after 5 years. Popular for tax saving under 80C.
7.7%Paid at maturity80C eligible
Kisan Vikas Patra (KVP)
Your money doubles at maturity, currently in 115 months. Open to everyone, not just farmers, with no upper limit.
7.5%Doubles in 115 monthsNo max
Senior Citizens Savings Scheme (SCSS)
The highest rate for those aged 60 and over, with interest paid every quarter for 5 years. It can be extended by 3 years.
8.2%Quarterly payoutMax ₹30 lakh
Need a monthly saving plan?
For regular deposits, use our RD calculator, PPF calculator or Sukanya Samriddhi calculator.
RD 6.7%PPF 7.1%SSY 8.2%
Choose wisely
Which post office scheme is right for you?
Retired and 60 or older
SCSS pays the highest rate with quarterly income. Add MIS for monthly cash flow once SCSS is full.
Need monthly income
MIS gives a fixed amount every month for 5 years, with a joint account allowing up to ₹15 lakh.
Saving tax under 80C
NSC and the 5-year TD both qualify, and NSC usually earns more because interest compounds to maturity.
Long-term growth
KVP doubles your money with no upper limit, a simple choice for goals around 10 years away.
Short-term parking
A 1-year or 2-year TD keeps your money safe with guaranteed returns until you need it.
Want zero risk
All small savings schemes carry a sovereign guarantee, and the rate you lock in does not change until maturity.
FAQ
Post office calculator FAQ
What are the post office interest rates for October to December 2026?
For 1 October to 31 December 2026, SCSS and Sukanya Samriddhi pay 8.2%, NSC 7.7%, KVP and the 5-year Time Deposit 7.5%, MIS 7.4%, PPF and the 3-year Time Deposit 7.1%, the 2-year Time Deposit 7.0%, the 1-year Time Deposit 6.9%, RD 6.7% and the savings account 4%. The government left all rates unchanged for this quarter.
How is post office MIS interest calculated?
Monthly interest equals your deposit multiplied by 7.4% and divided by 12. A deposit of ₹5 lakh earns about ₹3,083 a month, or ₹1,85,000 over 5 years, and the full ₹5 lakh is returned at maturity.
How much will ₹1 lakh become in NSC?
At 7.7% compounded every year, ₹1 lakh in NSC grows to about ₹1,44,903 after 5 years. That is around ₹44,903 in interest, which is paid together with your principal at maturity.
In how many months does KVP double your money?
At the current rate of 7.5%, Kisan Vikas Patra doubles your money in 115 months, which is 9 years and 7 months. For example, ₹1 lakh becomes ₹2 lakh at maturity.
How is post office time deposit interest calculated?
Interest is calculated with quarterly compounding and paid out once a year. At 7.5%, a 5-year Time Deposit earns an effective 7.71% a year, about ₹7,714 on every ₹1 lakh. Only the 5-year deposit qualifies for the Section 80C deduction.
Who can open a Senior Citizens Savings Scheme account?
Individuals aged 60 or above can open SCSS. Retired civilian employees aged 55 to 60 and retired defence personnel aged 50 to 60 can also invest, subject to conditions. The maximum deposit is ₹30 lakh, interest is paid every quarter, and the 5-year term can be extended by 3 years.
Is post office interest taxable?
Interest from MIS, Time Deposits, NSC, KVP and SCSS is taxable at your income tax slab rate, while PPF and Sukanya Samriddhi interest is tax free. Deposits in NSC, the 5-year Time Deposit and SCSS qualify for the Section 80C deduction under the old tax regime.
Will my interest rate change if the government revises rates?
For MIS, Time Deposits, NSC, KVP and SCSS, the rate on the day you open the account stays fixed for the full term. Only PPF and Sukanya Samriddhi balances move with each quarterly revision.
Results are estimates based on the published interest rates and standard scheme rules. Tax, TDS and exact payout dates depend on your situation and India Post processing, so confirm details at your post office.
Plan safe, guaranteed returns
Use the post office calculator to compare schemes before you visit the counter, and pick the one that fits your income and goals. For more money planning, explore our free online tools.
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