NSC Calculator
Free NSC calculator: enter your investment and the current interest rate to see the 5-year maturity value and interest of a National Savings Certificate.
NSC Calculator — Calculate National Savings Certificate Maturity
National Savings Certificate (NSC) is a Government of India backed savings scheme available at all post offices. It has a fixed 5-year tenure, interest compounded annually at a rate the government sets every quarter (the calculator starts at 7.7%; check the current rate), and investments qualify for a Section 80C deduction under the old tax regime. Our NSC Calculator gives you the exact maturity amount and year-wise interest accrual.
Enter the investment amount and current NSC interest rate. See the maturity amount, total interest earned, and annual interest accrual (which qualifies for additional 80C deduction in subsequent years). No signup, no cost.
How to Calculate NSC Maturity
1. Investment Amount
Enter the amount you want to invest (from ₹1,000). There is no upper limit on NSC, though the 80C deduction is capped.
2. Interest Rate
Enter the NSC rate in force when you invest — the government sets it every quarter. The calculator starts at 7.7%.
3. Fixed 5-Year Tenure
NSC has a fixed 5-year lock-in. The calculator uses this automatically.
4. View Maturity
See maturity amount, total interest, and annual interest accrual eligible for 80C reinvestment.
NSC Calculator Features
80C Tax Benefit
Your investment qualifies for a deduction under Section 80C in the old tax regime, within the overall 80C limit.
Annual Interest Accrual
Interest accrued each year (except the last) is treated as reinvested and qualifies for additional 80C.
Year-Wise Schedule
Detailed table showing accrued interest each year and the running balance.
Visual Breakdown
A chart shows how much of the maturity value is your investment and how much is interest.
Multiple Currencies
Show amounts in any of 20 currency symbols, from the rupee and US dollar to the euro, pound and yen. Only the symbol changes; nothing is converted.
Free and Private
No signup, no tracking. Runs entirely in your browser.