All tools

Post Office Time Deposit (TD) Calculator: 1, 2, 3 and 5 Years

Work out the interest on a Post Office Time Deposit (the post office FD) for 1, 2, 3 or 5 years at the current rates.

loading tool

How to use the post office time deposit calculator

  1. Type your numbers in the boxes (pick your currency or units if asked).
  2. The answer updates as you type: no button to press.
  3. Copy the result, or share it on WhatsApp with one tap.

Questions

Which term saves tax?

Only the 5-year Time Deposit counts under Section 80C (old regime).

Are these the latest rates?

They are the rates for October–December 2026, kept unchanged by the Ministry of Finance on 30 September 2026. Rates are reviewed every quarter; you can change the rate box if it moves.

Is my data private?

Yes. Everything happens inside your own browser: nothing you type or choose is uploaded to us or anyone else.

Is it free?

Completely free, with no sign-up, no watermark and no limit on how many times you use it. Light ads keep the site running.