TimelyUps · Trading Tools

National Savings Calculator

Calculate profit on Behbood, Defence Savings, Regular Income & Special Savings certificates — with the latest October 2026 rates from CDNS.

Choose Scheme & Amount

Rates effective 1 October 2026 (CDNS notification). Behbood/Pensioners/Shuhada: 12.72% • Defence Savings: 11.80% • Regular Income: 11.76% • Special Savings: 11.60% (11.82% avg) • Sarwa Islamic 3yr: 11.57% / 5yr: 11.70%.

Your Projected Returns

Invested
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Total Profit
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Maturity Value
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Monthly Income*
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Annual Profit
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Rate Applied
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*Monthly income applies to Behbood / Regular Income (monthly payout schemes). Defence & Special Savings pay at maturity.

Frequently Asked Questions

Who can buy Behbood Savings Certificates?

Only senior citizens (60+), widows, and disabled persons. It pays the highest rate (12.72%) with monthly profit — Rs 1,060/month per Rs 100,000.

What’s the difference between Defence and Special Savings?

Defence Savings (10 years, 11.80%) compounds — Rs 100,000 grows to ~Rs 305,000 in 10 years. Special Savings (3 years) pays profit every 6 months at 11.60%.

Is profit on National Savings taxable?

Yes — 15% WHT for filers, 30% for non-filers applies on NSS profit (profit on debt). The calculator shows pre-tax figures.

Can I withdraw early?

Yes, but early encashment may reduce profit (no profit if withdrawn within initial months, depending on scheme). Check CDNS rules for your certificate.

Disclaimer: Rates per CDNS notification effective 1 October 2026. Rates revise periodically — verify at savings.gov.pk before investing. Profits shown pre-tax. Informational only, not financial advice.