Save a fixed amount every month and see what it grows to. This RD calculator works out the maturity amount and interest on a recurring deposit at a bank or post office, using the quarterly compounding method Indian banks and India Post use.
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How RD interest is calculated
Each monthly instalment earns interest, compounded every quarter, for the time it stays invested, so the first instalment earns the most and the last earns the least. The calculator adds up every instalment’s value at maturity. For example, ₹5,000 a month for 5 years at 6.7% grows to about ₹3,56,830.
Frequently asked questions
What is the post office RD interest rate?
The post office 5-year recurring deposit pays 6.7% a year for October to December 2026. Bank RD rates vary by bank and tenure, so enter your bank’s rate above.
What happens if I miss an RD instalment?
Most banks and the post office charge a small penalty for a late instalment, and several missed instalments can lead to the account being closed early. Setting up an automatic monthly transfer avoids this.
Estimates only; RD interest is taxable at your slab rate. Related: FD calculator · Savings goal calculator
RD Maturity Table: ₹500 to ₹25,000 a Month
₹500 a month · ₹1,000 a month · ₹2,000 a month · ₹3,000 a month · ₹5,000 a month · ₹10,000 a month · ₹15,000 a month · ₹20,000 a month · ₹25,000 a month · See the full table