National Savings profit calculator

What this calculator does

This national savings calculator estimates the profit on a fixed amount placed in a National Savings scheme or a bank term deposit. You enter:

• Principal: the amount you invest.
• Rate: the annual profit rate for your scheme and holding period.
• Period: how long you hold the investment.
• Payout: monthly, annual or at maturity.
• Withholding tax rate: the rate that applies to you as a filer or non-filer.
• Top-ups: extra amounts added later. These are optional.

It shows gross profit, the tax deducted, net profit and the effective annual rate. The effective annual rate is the yearly return once compounding is counted.

Where the rates come from

We do not fill in rates for you. CDNS (Central Directorate of National Savings) changes its profit rates from time to time. The rate also differs by scheme and sometimes by year of holding.

Before you calculate, check the current rate table on the official CDNS National Savings website and note the date you checked it.

For withholding tax, check the current rates for filers and non-filers published by FBR (Federal Board of Revenue). Your status depends on whether your name is on FBR's Active Taxpayers List.

For context on interest rates in general, see SBP rates and economy.

How the profit is worked out

Simple profit (schemes that pay out profit regularly):

Profit = principal × annual rate × period in years

Net profit = profit − withholding tax on that profit

For national savings monthly profit, the calculator spreads the annual profit across the months of the year. The tax is deducted from each payment. This is how Regular Income Certificates, the Pensioners' Benefit Account and Bahbood Savings Certificates are usually reviewed.

Compound profit (profit stays invested): choose the compound setting when profit is added to the balance instead of being paid out. Use it as a DSC profit calculator for Defence Savings Certificates, where profit builds up over the holding period.

CDNS publishes the encashment value for each year of holding. Compare the calculator result with that official table, because the published table is what you will actually receive.

Using it as a savings certificate profit calculator

1. Open the CDNS rate table and find your scheme, such as Special Savings Certificates or Short Term Savings Certificates.
2. Enter the rate for your holding period.
3. Enter the withholding tax rate that FBR lists for your status.
4. Choose a monthly, annual or maturity payout to match the scheme.
5. Read the net profit figure.

The result is an estimate. Early encashment, rate changes after you invest, and the scheme's own rules can change what you receive. Confirm the final figures with CDNS or your bank.

You can compare schemes on National Savings schemes and Bank deposits. Tax details are covered in Payments, tax, Islamic banking. More tools are listed on Calculators.

Frequent questions

Does the calculator know the latest CDNS rates?

No. You enter the rate yourself. Take it from the official CDNS website and note the date you checked it.

How do I calculate national savings monthly profit?

Choose the monthly payout, then enter the annual rate, the principal and your withholding tax rate. The tool shows the net amount for each month.

Can I use it as a DSC profit calculator?

Yes. Use the compound setting with the rate for your holding period, then compare the result with the CDNS encashment table for Defence Savings Certificates.

Why does my filer status matter?

FBR sets different withholding tax rates for filers and non-filers. A non-filer usually has more tax deducted from the same profit. Enter the rate that applies to you.

Is the result guaranteed?

No. It is an estimate based on what you enter. Actual payments follow the CDNS rules and the rates that apply to your investment.