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NSC Calculator

NSC Calculator

What will your NSC be worth at maturity?

₹
%
yrs
%
%
Maturity value
₹0
Interest earned
₹0
Inflation-adjusted maturity
0
in today's money
Post-tax maturity
₹0
Invested vs interest

NSC's current tenure is fixed at 5 years — the slider lets you compare "what if" tenures, but only 5 years reflects what's actually on offer today. Interest compounds annually and is paid out in full at maturity.

Tax: the post-tax figure above is the straightforward case — all interest taxed at your slab. In practice NSC can do better in the old regime: interest accrued in years 1-4 is deemed reinvested and qualifies for a fresh 80C deduction each of those years (within the ₹1.5L limit), so if you declare interest annually and have 80C headroom, effectively only the final year's interest is taxed. The initial investment itself is 80C-eligible too. In the new regime there is no 80C, so the full interest is taxed at slab. The post office deducts no TDS on NSC — the interest is still taxable; declare it in your return.

What to work out next

Post-tax Yield Comparator

FD vs debt fund vs equity fund vs PPF/SSY, ranked after tax.

FD vs Debt Mutual Fund Calculator

Guaranteed slab-rate tax, or market-linked slab-rate tax.

Inflation Calculator

See what today's rupee is worth years from now.

TDS Calculator

Work out the TDS a bank deducts on your FD/RD interest.

Emergency Fund Calculator

Size your safety net and see how fast you can build it.

PPF Calculator

See what your PPF account grows to at maturity.

Frequently asked questions

Is a fixed deposit still worth it compared to other options?

It depends on your goal -- fixed deposits offer safety and a guaranteed return, which suits short-term goals or emergency funds, but their returns often barely keep pace with inflation after tax. For long-term goals, market-linked options have historically outperformed fixed deposits, at the cost of guaranteed safety.Read more: NSC Calculator: National Savings Certificate Maturity

What's the difference between simple and compound interest?

Simple interest is calculated only on the original principal for the entire period. Compound interest is calculated on the principal plus any interest already earned, so the amount it's calculated on grows over time. Compounding produces a meaningfully larger result the longer the money is invested.Read more: Your NBFC Fixed Deposit Has Zero Government Insurance — Unlike a Bank FD

How much emergency fund should I keep?

A common guideline is 3-6 months of essential expenses in an easily accessible account, though this varies by job stability, dependents, and other safety nets available to you. It should be liquid and low-risk, not invested for growth, since the point is availability when you need it, not returns.Read more: Breaking Your FD Early Costs More Than the Penalty Alone

Are savings account returns taxable?

Generally, yes -- interest earned is typically taxable as regular income, though some jurisdictions offer a small exemption threshold on savings interest specifically. Check the current rule where you file, since this is one of the more frequently adjusted thresholds.Read more: FD Real Returns After Tax and Inflation: The Number Your Bank Never Shows You

Estimates only, not financial advice. See our Disclaimer.