Government & Post Office Schemes
Calculate guaranteed returns and tax benefits under PPF, NPS, EPF, Sukanya Samriddhi (SSY), Kisan Vikas Patra (KVP), POMIS, and SCSS.
PPF Calculator (Public Provident Fund)
Calculate guaranteed tax-free 7.1% p.a. returns, 15-year maturity value, and Section 80C tax savings under the EEE tax model
National Pension System (NPS) Calculator
Project your NPS Tier 1 corpus at retirement. At exit at least 20% buys an annuity (40% for government employees), only 60% of the corpus is tax-free, and the extra ₹50,000 under Section 80CCD(1B) is Old Regime only
EPF Calculator (Employees' Provident Fund)
Calculate 8.25% p.a. employee + employer EPFO provident fund accumulation and VPF interest until retirement
SSY Calculator (Sukanya Samriddhi Yojana)
Calculate government-backed 8.2% p.a. tax-free returns for your daughter's higher education and marriage goals
Kisan Vikas Patra (KVP) Calculator
Calculate post office 7.5% p.a. investment growth and exact tenure to double your principal capital
Post Office Monthly Income Scheme (POMIS) Calculator
Calculate the monthly interest from a one-time Post Office MIS deposit at the current 7.4% p.a., on a single (up to ₹9 lakh) or joint (up to ₹15 lakh) account
Senior Citizens Savings Scheme (SCSS) Calculator
Calculate the quarterly interest from a one-time SCSS deposit at the current 8.2% p.a. (up to ₹30 lakh)
Fixed Deposit (FD) Calculator
Calculate quarterly compounded bank FD interest and the maturity amount of a cumulative fixed deposit
Recurring Deposit (RD) Calculator
Calculate post office and bank monthly Recurring Deposit (RD) quarterly compounded maturity returns
National Savings Certificate (NSC) Calculator
Calculate 5-year post office 7.7% p.a. compounded returns and Section 80C tax deduction
UPS vs NPS Calculator
Compare the Unified Pension Scheme's assured payout with NPS for a central government employee: monthly pension, lump sum, and total money received over retirement.
Atal Pension Yojana (APY) Calculator
Calculate the monthly APY contribution needed for a guaranteed lifetime pension of ₹1,000 to ₹5,000 at age 60
Retirement & FIRE Planner Calculator
Calculate your inflation-adjusted retirement target corpus, monthly SIP savings needed, and safe withdrawal rate (SWR)
Mahila Samman Savings Certificate (MSSC) Calculator
Closed to new deposits since 31 March 2025. Use this to work out the maturity value of an account opened while the scheme was open — 7.5% compounded quarterly over two years.
Visual Case Studies & Money Quests
Module 1: The Mysore Dussehra Mystery (Savings & Delayed Gratification)
Foundational money habits, managing pocket money, and building emergency cushions.
Senior Citizen Savings Scheme (SCSS) & POMIS Safe Income Shield
Guaranteed 8.2% quarterly government payouts and tax-efficient capital preservation.