NSC returns can be useful to understand before deciding how much to invest and for how long. I think calculators make this kind of planning much easier because you can get a quick idea of the expected amount without doing all the calculations yourself. The same approach is helpful when planning other financial benefits or future payments. For example, a Gratuity Calculator Online can help employees estimate their gratuity based on salary and years of service. I came across a site offering this tool at while looking at ways to make these calculations simpler. Having these estimates in advance can make personal financial planning a little easier.