CalcuTools · Government Savings

Government Savings Decision Tool 2026 | Compare Savings Constraints

Model amount, time horizon, monthly-income need and age across major government savings schemes.

Your planning inputs

Amount to allocate (₹) Time horizon (years) Monthly income need (₹) Age Tax situation

See rules

Planning outputs

Illustrative SCSS quarterly interest: —

Illustrative POMIS monthly interest: —

—

This tool does not select a “best” scheme. It shows how scheme characteristics interact with your constraints. Verify eligibility, tax treatment and later-quarter rates before acting.

Scheme planning table

Scheme	Rate	Term	Illustrative value / principal	Income example	Constraint fit

Official source: Department of Economic Affairs small-savings notification. For scheme-specific rules, verify the current India Post scheme documentation.