Government Schemes calculators
India’s savings schemes are set by notification rather than by a market, so the rate on the day you started is often not the rate today, and the withdrawal rules usually matter more than the rate does. Every tool here resolves its rates from the date you pick rather than from today, which is what makes a prior-year figure reproducible.
Post Office MIS CalculatorPost Office Monthly Income Scheme payouts, with what reinvesting them would build. MIS does not compound, so the difference between spending and reinvesting the payout is substantial over five years.Post Office Time Deposit CalculatorPost Office Time Deposit maturity by tenure. The five year deposit qualifies for 80C deduction and the shorter tenures do not, which is usually the deciding factor.Kisan Vikas Patra CalculatorKisan Vikas Patra doubling period. KVP is quoted as a period rather than a rate, which is unusual and makes it hard to compare against anything until you convert it back.NSC CalculatorNational Savings Certificate maturity with its unusual tax treatment. Interest accrues annually and the first four years of it count as fresh 80C investment, so only the final year is effectively taxed.Sukanya Samriddhi Yojana CalculatorSukanya Samriddhi Yojana maturity. Deposits run for fifteen years but the account matures at twenty-one, so the last six years compound with nothing added, which is where a large part of the corpus comes from.PPF CalculatorPPF maturity with the rules that actually decide the outcome. Interest is credited on the lowest monthly balance, so depositing in early April rather than March earns a full extra year of interest on every contribution.Senior Citizens Savings Scheme CalculatorSenior Citizens Savings Scheme quarterly payouts. SCSS pays out rather than compounds, so the return is the stated rate and not more, which makes it comparable to a monthly income plan rather than a cumulative deposit.Atal Pension Yojana CalculatorThe Atal Pension Yojana contribution needed for a chosen pension, and why joining young matters so much. The contribution for the same pension roughly quadruples between joining at 18 and joining at 40.