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Post Office RD Calculator

Monthly Investment

Interest rate






1 Yr

30 Yrs

The future value of investment will be

Invested Amount


Estimated Return


What Is the Post Office RD Calculator?

An RD (Recurring Deposit) is a popular savings scheme banks, and other financial institutions offer. It allows individuals to save a fixed sum periodically for a predetermined tenure.

Post Office RDs offer a reliable and secure way to accumulate lump sum savings and earn competitive interest. Post Office RD calculator is an online tool that calculates the maturity value of your investment in an Indian Post Office RD account and the interest earned thereon.

The Post Office RD calculator uses essential inputs such as monthly investment, the interest rate and the duration of the RD to calculate the future value of the investment along with the estimated maturity amount and interest earnings.

How Does a Post Office RD Calculator Work?

The online Post Office RD calculator on Angel One platform is a simple, user-friendly tool. The calculator uses a mathematical formula to calculate the maturity amount and total interest earned by taking inputs such as the monthly amount, the duration and the interest rate of the RD.

What Is the Post Office RD Calculator Formula?

The formula to calculate the maturity value of a Post Office RD is as follows:

M = R [(1+i)^n-1] / (1-(1+i)^(-1/3) )


M = Maturity value

R = Monthly investment

n = Number of quarters

i = Interest Rate/400

How To Use the Post Office RD Calculator Online?

You can use Angel One Post Office RD calculator online to estimate your expected RD returns. All you need to do is follow the three simple steps mentioned below:

  • Step 1: Enter the amount you wish to contribute to the recurring deposit monthly
  • Step 2: Use the slider to input the applicable interest rate
  • Step 3: Input the tenure in years

The RD calculator will instantly generate the value of your RD returns. 

The example below illustrates this:

Let’s say you open a Post Office RD account of Rs. 10,000 per month at the interest rate of 10% p.a for 15 years. Then using the Angel One Post Office RD Calculator, the maturity value displayed would be Rs. 41,47,557. The interest earned would be Rs. 23,47,557. 

Alternatively, you can use the Post Office RD calculator formula to calculate your returns manually.

Benefits of Using a Post Office RD Calculator

The online Post Office RD calculatorhas the following benefits: 

  1. Ease of use: The online Post Office RD calculator on Angel One is user-friendly. You can get accurate maturity and interest estimates in seconds by sliding on the required parameters.
  2. Accurate and reliable: Manual calculations require a lot of effort and time and are also prone to error. Post Office RD calculator helps you to avoid such errors and provides accurate and reliable results.
  3. Free to use: Post Office RD calculator on Angel One is free. You can access the calculator multiple times online from anywhere.
  4. Facilities financial planning: You can use the Post Office RD calculator online to plan your savings and investments more effectively and determine the monthly deposit amount that aligns with your financial goals and budget.

Factors Influencing Post Office Earnings

The earnings on your Post Office RD account are influenced by various factors, which include the following: 

  1. Monthly deposit amount: The amount you deposit every month in the RD account directly impacts your returns. A higher monthly deposit will provide more significant earnings at maturity. 
  2. Tenure: The longer you invest, the higher you gain. Longer tenures allow for more compounding periods and provide higher returns.
  3. Interest rate: The annual interest rates play a significant role in determining the returns on your Post Office RD investments. You will earn more if your interest rate is higher and vice versa. 
  4. Premature withdrawal: In case you decide to make a premature withdrawal (before the completion of the duration), your earnings will be impacted. In such cases, the interest earned on RD is adjusted based on the conditions on premature withdrawal set by the bank with which you have an RD account. 
  5. Compounding frequency: Compounding refers to reinvestment of the earned interest, which helps generate additional earnings. The more frequent the compounding, the higher would be the earnings.


What is the Post Office RD calculator?
The Angel One Post Office RD calculator is a digital tool which can help you estimate the maturity value of your RD based on basic inputs such as the amount of deposit amount, its duration and the interest rate.
How to use the Post Office RD calculator online?
To use the Post Office RD calculator online, simply go to Angel One Post Office RD calculator, and input the amount of the deposit, its tenure, and expected interest rate to estimate the RD investment maturity value.
Is the online Post Office RD calculator free to use?
The online Post Office RD calculator is typically free and can be used by all individuals without any charges.
How much can be the minimum tenure of Post Office RD?
The Post Office RD has a minimum tenure of 60 months. You can extend the tenure by another 60 months for long-term investments.
What is the rate of return on Post Office RD?
Different banks offer different RD rates. The interest rates keep changing from time to time, hence it is better to contact the bank for the current rates.

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