Post Office Savings Account Calculator

See how a Post Office Savings Account balance grows at the current official rate.

Official rate effective 01.07.2026 to 30.09.2026 — rates are set by India Post and revised quarterly. Figures are estimates for general planning only — see the explanation below for this scheme's specific assumptions.

Deposit: ₹10,000 (82%)Interest: ₹2,167 (18%)

if you deposit ₹10,000 in a Post Office Savings Account at the current 4% rate, it grows to about ₹12,167 over 5 years — ₹2,167 in interest, added to the balance each year. Compare this against a fixed-term Time Deposit for a potentially higher rate

What is a Post Office Savings Account?

The most basic India Post savings product — works much like a bank savings account. Interest is calculated on the balance and credited once a year, then itself starts earning interest the following year. There is no fixed maturity date, since it’s a running account, not a term deposit — so "years" here is just how far ahead you want to see the balance projected, not a scheme-imposed term.

What this simplifies

Real accounts calculate interest on the minimum balance between the 10th and last day of each month, not a flat annual figure on the opening balance — if you make withdrawals or deposits during the year, your real interest will differ from this projection. This calculator assumes the balance sits untouched for the whole period.

Frequently asked questions

How often is interest credited?

Once a year, at the official rate set by India Post — the credited interest then itself starts earning interest the following year.

Is there a minimum balance requirement?

Yes, real accounts require a small minimum balance to stay active — check the current requirement with India Post, since this calculator only projects interest growth and doesn’t enforce minimum-balance rules.

Common questions answered

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