Guided plan

Safe savings journey

Model bank deposits first, then compare government-backed small-savings options using their current effective periods and your liquidity needs.

Outcome

A maturity and payout comparison with rate dates visible.

Your local progress

0/4 steps

1. Compare FD payout modes

2. Model monthly deposits

3. Review long-term PPF

4. Review NSC maturity

Progress is stored only in this browser and can be cleared from any calculator or the homepage.

Work in sequence

Each calculator opens with journey progress attached. Save useful scenarios locally, then use Continue to move to the next decision.

Step 1

Choose between cumulative growth and non-cumulative income using the bank quote you received.

Match the payout frequency and compounding convention in the deposit terms.

Save one cumulative and one payout scenario.

Step 2

Use RD when the saving pattern is monthly rather than a one-time deposit.

Check the bank's day-count, compounding, and premature-closure terms.

Compare total deposits with maturity value.

Step 3

PPF has a long horizon and rates can change by quarter.

The displayed 7.1% planning rate applies to 1 Jul-30 Sep 2026; future quarters may differ.

Confirm the latest notified rate and liquidity rules.

Step 4

Compare the fixed term and applicable notified rate with your cash-flow date.

The displayed 7.7% rate applies to accounts opened 1 Jul-30 Sep 2026.

Match the maturity date to the goal rather than chasing rate alone.

Owned by Wealth Planner editorial. Last reviewed 10 July 2026. Calculator results remain educational estimates.