Government & Small Savings

Government Scheme Calculators: PPF, EPF, NPS, SSY & Post Office

Plan your small savings and welfare benefits with confidence. Free calculators for PPF, EPF, NPS, Sukanya Samriddhi, Post Office schemes, Postal Life Insurance and central welfare schemes, all with current government-notified rates.

47free calculators

FY 2025-26India rules

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Government scheme calculators help you get the most from India’s small-savings and welfare programmes, which offer safe, often tax-advantaged returns backed by the government. This hub covers the essentials, PPF and EPF for retirement saving, the NPS and pension schemes, Sukanya Samriddhi for a daughter’s future, the range of Post Office instruments and Postal Life Insurance, Sovereign Gold Bonds, and central welfare schemes like PM-KISAN and MGNREGA. Each calculator uses the current government-notified interest rate and rules, so your projections match what these schemes actually pay.

PPF

4 tools

ELSS vs PPF Calculator

Calculate your elss vs ppf in seconds.

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PPF Calculator

Calculate your ppf in seconds.

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SIP vs FD PPF RD

Plan your sip vs fd ppf rd quickly.

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Sukanya vs PPF Calculator

Calculate your sukanya vs ppf in seconds.

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EPF

6 tools

Employees Provident Fund Calculator

Calculate your employees provident fund in seconds.

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EPF Passbook Interest Calculator

Calculate your epf passbook interest in seconds.

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EPF Withdrawal Calculator

Calculate your epf withdrawal in seconds.

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GPF Calculator

Calculate your gpf in seconds.

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PF vs NPS Calculator

Calculate your pf vs nps in seconds.

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VPF Calculator

Calculate your vpf in seconds.

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Pension & Retirement Schemes

6 tools

APY Calculator

Calculate your apy in seconds.

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NPS Annuity Calculator

Calculate your nps annuity in seconds.

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NPS Calculator

Calculate your nps in seconds.

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NPS Tier 2 Calculator

Calculate your nps tier 2 in seconds.

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Pension Calculator

Calculate your pension in seconds.

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Senior Citizen Savings Scheme Calculator

Calculate your senior citizen savings scheme in seconds.

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Sukanya Samriddhi

2 tools

SSY Calculator

Calculate your ssy in seconds.

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SSY Maturity Planner

Plan your ssy maturity planner quickly.

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Post Office Schemes

6 tools

Kisan Vikas Patra Calculator

Calculate your kisan vikas patra in seconds.

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Mahila Samman Savings Certificate Calculator

Calculate your mahila samman savings certificate in seconds.

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National Savings Certificate Calculator

Calculate your national savings certificate in seconds.

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NSC vs KVP Calculator

Calculate your nsc vs kvp in seconds.

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Post Office FD Calculator

Calculate your post office fd in seconds.

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Post Office Monthly Income Scheme Calculator

Calculate your post office monthly income scheme in seconds.

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Postal Life Insurance (PLI)

14 tools

PLI Bonus Rates 2025-26

Plan your pli bonus rates 2025-26 quickly.

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PLI Bonus Rates 2026

Plan your pli bonus rates 2026 quickly.

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PLI Conversion To RPLI

Plan your pli conversion to rpli quickly.

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PLI Eligibility

Plan your pli eligibility quickly.

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PLI Eligibility Guide

Plan your pli eligibility guide quickly.

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PLI RPLI Guide

Plan your pli rpli guide quickly.

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PLI RPLI Maturity Calculator

Calculate your pli rpli maturity in seconds.

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PLI Santosh Plan

Plan your pli santosh plan quickly.

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PLI Sumangal Plan

Plan your pli sumangal plan quickly.

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PLI Suraksha Plan

Plan your pli suraksha plan quickly.

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PLI Suvidha Plan

Plan your pli suvidha plan quickly.

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Post Office PLI

Plan your post office pli quickly.

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RPLI vs PLI

Plan your rpli vs pli quickly.

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RPLI vs PLI Comparison

Plan your rpli vs pli comparison quickly.

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Sovereign Gold Bonds

1 tools

Sovereign Gold Bond Calculator

Calculate your sovereign gold bond in seconds.

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Government Welfare

8 tools

FRSB Calculator

Calculate your frsb in seconds.

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Government Bond Yield Calculator

Calculate your government bond yield in seconds.

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Government Schemes

Plan your government schemes quickly.

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MGNREGA Wage Calculator

Calculate your mgnrega wage in seconds.

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PM Jeevan Jyoti Bima Yojana Calculator

Calculate your pm jeevan jyoti bima yojana in seconds.

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PM Kisan Calculator

Calculate your pm kisan in seconds.

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PM Suraksha Bima Yojana Calculator

Calculate your pm suraksha bima yojana in seconds.

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Pradhan Mantri Fasal Bima Yojana Calculator

Calculate your pradhan mantri fasal bima yojana in seconds.

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Popular small-savings rates (FY 2025-26)

Scheme	Interest rate	Lock-in / tenure	Tax status
PPF	7.1%	15 years	EEE (fully tax-free)
Sukanya Samriddhi	8.2%	21 years / till marriage	EEE
Senior Citizen Savings	8.2%	5 years	Interest taxable
NSC	7.7%	5 years	80C, interest taxable
Post Office MIS	7.4%	5 years	Interest taxable

Frequently Asked Questions

What is the PPF interest rate for FY 2025-26?

The PPF interest rate is 7.1% per annum, set by the government and reviewed quarterly. PPF is fully tax-free (EEE): contributions qualify under 80C, and both the interest and maturity are tax-exempt. Use the PPF calculator to project your maturity value.

Which is better for retirement, EPF or NPS?

Both are strong. EPF gives a fixed, government-set return (currently around 8.25%) and is low-risk, while NPS is market-linked with equity exposure and potentially higher long-term returns, plus an extra 50,000 deduction under 80CCD(1B). Many people use both. The PF vs NPS calculator compares them.

What is the Sukanya Samriddhi interest rate?

Sukanya Samriddhi Yojana pays 8.2% per annum for FY 2025-26, among the highest of the small-savings schemes, and is fully tax-free. It can be opened for a girl child under 10 and matures after 21 years. Use the SSY calculator or maturity planner.

Is NPS a good investment?

NPS is a low-cost, market-linked retirement product with equity exposure you choose, and it offers a unique extra tax deduction of 50,000 under Section 80CCD(1B), over and above 80C. Its main limitation is the lock-in until retirement and partial compulsory annuitisation. The NPS calculator projects your corpus and pension.

Are Post Office schemes safe?

Yes. Post Office savings schemes are backed by the Government of India, making them among the safest places to save. They suit conservative savers and goals needing capital protection, though returns are modest compared with equity. Explore the Post Office FD, MIS, NSC and KVP calculators here.

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All calculators on CalcWise.Finance are free, work on any device, and use Indian rules for FY 2025-26. Results are estimates for educational use, not financial advice; verify important figures and consult a SEBI-registered adviser for decisions. See our disclaimer.