Post Office Scheme Calculator
Estimate returns on Post Office MIS, SCSS, NSC, KVP and 5-year time deposit.
Visual breakdown
Detailed breakdown
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What is the Post Office Scheme Calculator?
Post Office small savings schemes are government-backed. Each has a different payout style: monthly income, quarterly income, or growth at maturity. Choose a scheme and amount to see the estimated returns.
How to use this calculator
- Enter your values in the input fields. Use the sliders where available for quick changes.
- Choose the options that fit your case - currency, number format and decimals can be changed in the Options bar.
- The result updates instantly as you type. Press Calculate to refresh.
- Review the summary, the chart and the detailed table (when shown).
- Use Export & share to download a snapshot image (PNG or JPG), copy the result, print, save a CSV, or copy a link that reopens your inputs.
Formula and method
SCSS: quarterly income = amount x rate / 4
NSC: amount x (1 + rate)^5
TD: amount x (1 + rate / 4)^20
Worked example
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Options you get
- Currency symbol and Indian or international digit grouping
- Decimal places control
- Instant results with charts and tables (where relevant)
- Snapshot image export (PNG / JPG), copy image, CSV, print and share link
- Light and dark themes - works on mobile, tablet and desktop
Frequently asked questions
Are rates fixed?
The government reviews small savings rates every quarter. Use the rate field to enter the latest rate.
Is this calculator free to use?
Yes. All MCSBiz calculators are free, work in your browser and need no sign-up.
Is my data stored or sent to a server?
No. Calculations run on your own device. Your inputs are not uploaded, and nothing is saved unless you choose to share a link or export an image.
Can I save or share my result?
Yes. Use "Download PNG" or "Download JPG" to export a snapshot image, copy the result, print it, download a CSV, or copy a link that reopens the calculator with your inputs.
Important note
Results are estimates based on the inputs and assumptions shown. Investments are subject to market risk and past performance does not guarantee future returns. This is not financial, tax or legal advice - please verify with official sources or a qualified professional.