Compare matching scenarios
A lump-sum deposit and a recurring yearly contribution are different inputs. Compare the same contribution schedule and duration before judging the projected balances.
Check rate assumptions
Our PPF projection and Sukanya projection use an editable, constant annual rate. That is a modelling choice, not a claim about future credited rates. The SSY model makes 15 annual deposits over a 21-year timeline.
Check compounding and timing
A beginning-of-year deposit earns longer than an end-of-year deposit. The FD calculator models the inputs shown in its form; compare its compounding frequency and deposit timing with any other projection.
Look beyond the projected total
Eligibility, deposit limits, access to money, account duration and tax treatment can matter more than a difference in an assumed interest rate. Review these details with the actual provider before choosing a product.
Check current product terms and published rates with India Post savings schemes or your account provider.
Use a range of outcomes
Try several rates and contribution amounts to see how sensitive your plan is to the assumptions. Keep the calculation inputs with the result and revisit them when your circumstances change.