Calculations follow official Ministry of Finance & India Post Gazette rules (SCSS ₹30L, POMIS ₹9L/₹15L, 80TTB tax rules).
Want to understand NSC before building your income plan?
Learn how National Savings Certificates work, calculate maturity values, and explore a multi-year staggered NSC ladder before designing your full multi-scheme portfolio.
Calculate single certificate maturity, understand Section 80C deemed reinvestment deductions, and review 5-year lock-in rules.
Model 5 staggered NSC rungs with inflation-adjusted monthly payouts and 30-year rolling maturity schedules.
Stress-test what happens when fixed-tenure instruments (SCSS, POMIS, FDs) mature to prevent sudden retirement cash-flow drops.
Frequently Asked Questions (Guaranteed Income Planning)
Understanding legal caps, cash-flow smoothing, and sovereign yield guarantees
How does the Guaranteed Income Reverse Calculator work?
The Reverse Engine starts with your desired monthly paycheck (e.g. ₹40,000/month). It works backward using sovereign small savings schemes (SCSS at 8.2%, POMIS at 7.4%) and bank fixed deposits to calculate the exact total capital required, respecting official legal account limits per person or household.
What is the Senior Citizens Savings Scheme (SCSS) limit in 2026?
The maximum deposit limit for SCSS is ₹30 Lakh per eligible individual aged 60 and above. In a couple mode with two eligible senior spouses, the household SCSS capacity unlocks up to ₹60 Lakh.
What are the account limits for Post Office Monthly Income Scheme (POMIS)?
POMIS permits up to ₹9 Lakh for an individual account and up to ₹15 Lakh for a joint account held by two or three adults. If two spouses open individual accounts, their combined limit is ₹18 Lakh.
Why does the planner include a Bank Fixed Deposit (FD) Bridge?
SCSS pays interest quarterly (March, June, September, December). To ensure you receive your full target income every single month without cash-flow gaps, the FD Bridge acts as a monthly payout buffer.
Are small savings scheme interest rates locked for 5 years?
Yes. Once you open an SCSS (8.2%), POMIS (7.4%), or NSC (7.7%) account, the interest rate is locked for the entire 5-year tenure regardless of future quarterly government interest revisions.