Government Savings & Pension Calculators
Every Indian small-savings scheme in one place — PPF, EPF, NPS, SSY, NSC, KVP, SCSS and more.
India's government-backed savings schemes offer guaranteed returns, sovereign safety, and significant tax benefits. Each calculator uses the latest official rate (revised quarterly by the Ministry of Finance) to project maturity values, monthly payouts, or required contributions.
For tax-saving under Section 80C, PPF (15-year lock-in, 7.1% tax-free) and NSC (5-year, 7.7%) are the most popular. For retirement, NPS offers an extra ₹50,000 deduction beyond 80C under Section 80CCD(1B). Parents of girls under 10 should look at SSY at 8.2% — currently the highest fixed-income return in India.
Calculators in this category
Public Provident Fund maturity at 7.1% over 15 years.
Open →Employee + employer EPF corpus at retirement.
Open →National Pension Scheme corpus and monthly pension.
Open →Sukanya Samriddhi Yojana for girl child at 8.2%.
Open →Atal Pension Yojana monthly contribution table.
Open →National Savings Certificate, 5-year, 7.7%.
Open →Kisan Vikas Patra doubling period at 7.5%.
Open →Senior Citizen Savings Scheme, quarterly payout.
Open →Monthly Income Scheme, 5-year, 7.4%.
Open →Comparing the schemes at a glance
- PPF — 7.1%, 15-year lock-in, fully tax-free (EEE), ₹1.5L/year limit, partial withdrawal from year 7.
- EPF — 8.25%, retirement-locked, employer contribution mandatory, taxable above ₹2.5L annual contribution.
- NPS — market-linked (~9-11%), retirement-locked, 60% tax-free at 60, 40% goes to mandatory annuity.
- SSY — 8.2%, girl child only (under 10), 21-year maturity, fully tax-free (EEE), ₹1.5L/year limit.
- APY — fixed pension ₹1,000–₹5,000/month from age 60, monthly contribution depends on entry age.
- NSC — 7.7%, 5-year lock-in, interest reinvested counts toward 80C in subsequent years.
- KVP — 7.5%, doubles in ~115 months, no tax benefit but flexible withdrawal after 30 months.
- SCSS — 8.2%, age 60+ only, 5-year tenure, quarterly interest payout, 80C eligible.
- Post Office MIS — 7.4%, 5-year, monthly interest payout (capped at ₹9L single, ₹15L joint).
Tax treatment summary
EEE (fully exempt): PPF, SSY, EPF (subject to limits) — exempt on contribution, growth, and withdrawal.
EET (taxed at withdrawal): NPS — first 60% of corpus tax-free at retirement; the remaining 40% mandated to buy an annuity, where the pension is taxable as income.
Taxable interest: NSC, KVP, SCSS, Post Office MIS — interest added to income and taxed at slab rate. SCSS and 5-year POTD do qualify for Section 80C deduction on the deposit.