How to use the calculators
Choose a calculator from the Calculators menu. Fill the required fields (principal,
tenure, rate) and click Calculate or the relevant action button. Results show
maturity amount, interest earned, and periodic payouts where applicable.
FD (Fixed Deposit)
- Principal: The lump-sum amount you deposit.
- Tenure: Enter years and months — the calculator uses combined duration.
- Rate: Use the prefilled bank rate or enter a custom rate.
- Tip: For quarterly compounding, small changes in rate produce noticeable differences over long
tenures.
RD (Recurring Deposit)
- Monthly deposit: Amount you will deposit every month.
- Tenure: Number of months or years.
- Tip: RD works best for disciplined savings; higher monthly deposits accelerate corpus growth.
MIS (Monthly Income Scheme)
- Principal: Lump-sum investment for periodic monthly payout.
- Tip: Compare MIS with annuity-like instruments for steady monthly income; consider inflation
impacts.
Post Office Schemes
- Some schemes have minimum deposit steps and specific tenures (Sukanya Samriddhi, SCSS, KVP).
- Tip: Use the post office options to compare government-backed yields and restrictions.
Common Questions
- Can I change the compounding frequency? Some calculators assume quarterly or
annual compounding. Check the calculator description.
- Are rates guaranteed? Rates shown are indicative and updated periodically;
confirm with the bank/post office before investing.
If you need help, visit the Contact page and send us your question.
Note: Calculator results are estimates for planning purposes only and should not be considered
financial advice.