PO Calculator: Post Office

Disclaimer: PO Calculator is an independent app. It is not a government app and does not represent India Post, the Department of Posts, the National Savings Institute or the Government of India.

PO Calculator is a free, offline Post Office savings calculator in 11 Indian languages: English, Kannada, Hindi, Bengali, Marathi, Telugu, Tamil, Gujarati, Malayalam, Odia and Punjabi. Work out the maturity amount, interest and maturity date for every Post Office small savings scheme in seconds, without internet.

SCHEMES
• Recurring Deposit (RD) calculator
• Time Deposit (TD / Post Office FD) 1, 2, 3 and 5 years
• Monthly Income Scheme (MIS)
• Senior Citizens Savings Scheme (SCSS)
• National Savings Certificate (NSC)
• Kisan Vikas Patra (KVP)
• Public Provident Fund (PPF)
• Sukanya Samriddhi Yojana (SSY)
• Savings Account (SB) and Mahila Samman (MSSC, existing accounts)

WHAT YOU GET
• Maturity value, total interest and maturity date
• Year-wise table and growth chart
• Interest for each financial year with an estimated tax at your slab, and a TDS reminder with Form 121 (earlier 15G/15H)
• Premature closure amount for any date, including the 5-year TD rule and the official KVP table
• PPF and SCSS extension, PPF and SSY withdrawal limits
• Compare every scheme for the same amount, grouped by term
• "I want ₹" goal planner: how much to deposit once, every month or every year to reach your target
• Smart suggestions: put MIS or SCSS interest into an RD, or see a scheme that pays more
• Customer printout: a one-page PDF of the result to share or print
• Interest rates since 2016, so older accounts use the rate on their opening date
• Save your accounts, see what is maturing this month, get a reminder before maturity, and back them up to a file
• Share a clean result card on WhatsApp

FOR POST OFFICE STAFF AND AGENTS
• Eligibility check and document checklist
• Step-by-step account opening guide for every scheme
• Full scheme details you can send to a customer in their language
• Official forms to download or send: account opening, KYC, withdrawal, closure, nomination, duplicate passbook, extension, death claim and more
• RD advance deposit rebate calculator and post office service charges
• Custom simple and compound interest calculator
• Enter a new quarter's interest rates as soon as they are announced

PRIVATE AND OFFLINE
No login, no internet permission, works offline. Your saved accounts stay on your phone.

OFFICIAL SOURCES OF INFORMATION
Scheme rules, interest rates and tax facts in this app are taken from these official government websites:
• India Post – Post Office savings schemes: https://www.indiapost.gov.in/banking-services/savings
• National Savings Institute, Ministry of Finance: https://www.nsiindia.gov.in
• Department of Economic Affairs (interest rates): https://dea.gov.in
• Income Tax Department (TDS, Form 121): https://www.incometaxindia.gov.in
• Department of Posts, SB Order No. 35/2020 (specimen savings forms used in the app): https://utilities.cept.gov.in/dop/pdfbind.ashx?id=4920
The same links are inside the app (Home, Settings and every scheme's details).

Results are estimates; confirm at your post office.

Recent changes:
Added official government source links and a clear disclaimer that this is an independent app, not a government app. Calculators and tools on the Home screen. All Post Office forms now download reliably.