7 calculators
Savings & Deposits
Work out the maturity value and interest earned on guaranteed-return savings: bank fixed and recurring deposits, PPF, Sukanya Samriddhi Yojana and the Post Office schemes (NSC, KVP, MIS, SCSS and time deposits).
The calculators use each scheme’s own compounding rule — quarterly for bank FDs and RDs, yearly for PPF — so the figures match what the bank or post office pays.
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Guides
InvestingSIP vs FD vs RD: where should monthly savings go?Compare a mutual fund SIP with fixed and recurring deposits on returns, risk, liquidity and tax, with ₹10,000-a-month examples over 5 and 10 years.InvestingEPF vs PPF vs NPS: comparing India’s retirement savings schemesCompare EPF, PPF and NPS on returns, lock-in, withdrawals and tax treatment, and see how the three can work together in a retirement plan.SavingsHow FD interest is calculated and taxedHow banks compound fixed deposit interest, cumulative vs payout FDs, TDS thresholds, Forms 15G and 15H, tax-saver FDs and deposit insurance.SavingsPPF explained: rules, interest, withdrawals and extensionEverything about the Public Provident Fund: deposit limits, how interest is calculated, the 5th-of-the-month rule, partial withdrawals, loans, extension and tax benefits.Money basicsThe power of compounding: simple vs compound interest explainedHow compound interest works, how it differs from simple interest, why compounding frequency and time matter, and the rule of 72 — with worked examples.Money basicsInflation and real returns: what your money is really earningHow inflation reduces purchasing power, how to calculate real returns after inflation and tax, and why a 7% FD can lose value for someone in the 30% slab.