Post Office Planner — Match your money to the right scheme

Personalised India Post savings plan in 30 seconds. Free, no login, no PII.

Free · No login · India-focused · Updated quarterly
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How this planner works — and how AI fits in
1
Your inputs stay on your device. The slider, age, goal, liquidity and persona choice never leave the browser for the calculation.
2
A deterministic engine picks the allocation. Pure JavaScript rules — not AI — apply the SCSS ₹30L cap, MIS ₹15L joint cap, PPF / SSY ₹1.5L yearly cap, the 80C ₹1.5L ceiling and the age-60 SCSS rule. The math is auditable in postal-planner-engine.js.
3
AI writes the plain-English narrative. When you tap Why this plan? we send only the anonymous plan summary (amounts + scheme keys — no name, email, cookie, IP or fingerprint) to a small language model (qwen2.5:3b-instruct) running on the same RTI Wiki server. Your data never travels to OpenAI, Anthropic, Google, Groq or any third-party AI cloud.
4
A numeric-faithfulness guard checks the AI. Before the narrative reaches you, we extract every rupee figure the model mentioned and verify each one matches a number that's actually in your plan (within 5%). If the AI invented a figure, we discard the narrative and use a deterministic narrator instead. You'll see a small badge above the explanation telling you which one wrote it.
5
Cached briefly, then forgotten. Identical plan summaries are cached by a hash for one hour so we don't ask the LLM the same question twice — the cache is keyed by the hash, not by you. There is no login, no account, no analytics on your inputs, no third-party tracker pulled in by this page.
Privacy at a glance · Calculation: 100% in your browser · AI narrative: optional, on-server only · Nothing about you is stored, ever · Math + prompt are open in the page source
How post-office schemes compare with bank & market alternatives

Each post-office scheme has a close cousin in the bank or mutual-fund world. The post-office option usually wins on safety (sovereign guarantee, not the DICGC's ₹5 lakh cap) and on rate. Side-by-side:

Postal Life Insurance (PLI) & Rural PLI

Beyond savings, India Post runs the country's oldest life insurer (since 1884). Premiums are typically 20–40% lower than comparable LIC or private cover for the same sum assured, and the policy is unconditionally backed by the Government of India.

Help & resources

About this tool

The Post Office Planner maps your savings capacity, age, goal and liquidity preference to a deterministic mix across India Post small-savings schemes — NSC, KVP, MIS, PPF, SCSS, RD, Time Deposits and Sukanya Samriddhi Yojana.

Need a single-scheme calculator instead? Post Office Return Calculator →

Rates are notified quarterly by the Ministry of Finance — verify at indiapost.gov.in before investing.

FAQ
How does the planner decide the allocation?

A deterministic engine maps your inputs (amount, age, goal, liquidity) to scheme caps and lock-ins. It respects the MIS cap (₹9 lakh single / ₹15 lakh joint), the PPF and SSY yearly caps (₹1.5 lakh), the SCSS age requirement (60+) and the ₹1.5 lakh 80C limit.

Is my data stored anywhere?

Inputs stay in your browser for the calculation. When you tap Why this plan? we send only the anonymous plan summary (rupee amounts + scheme keys — no name, email, cookie, IP or fingerprint of you) to a small language model on our own server. The server caches that anonymous summary by a one-way hash for one hour. Standard Apache access logs record IP + URL per server defaults; we do not analyse them against your inputs.

Are the returns guaranteed?

Small-savings schemes carry sovereign guarantee on principal and interest. Rates are notified each quarter and can change; PPF and SSY re-set every quarter, others lock at investment date.

Can I tweak the plan after the persona auto-fills?

Yes — the form stays editable. Change any field and the plan recomputes instantly.

Is this the official India Post planner?

No. This is an educational tool by RTI Wiki. Always verify rates and rules before investing.

Privacy & AI

Math runs in your browser. Allocation, validation and chart computations never leave your device.

AI narrative is opt-in and on-server. Only the anonymous plan summary is sent to qwen2.5:3b-instruct running on the RTI Wiki server when you tap Why this plan?. Your data never goes to OpenAI, Anthropic, Google or any third-party AI cloud.

Numbers are checked. A faithfulness guard verifies every rupee figure the AI cites matches a number actually in your plan (within 5%) — else we fall back to a deterministic narrator. A small badge tells you which one wrote your explanation.

Disclaimer

Educational only. Not investment advice. Rates change every quarter. Verify with India Post or the Ministry of Finance notification before investing.

More free citizen tools at righttoinformation.wiki/tools