Are you looking for a safe investment that offers guaranteed monthly income? The Post Office Monthly Income Scheme (POMIS) could be an excellent option for you. Use our calculator to estimate your potential earnings.

What is the Post Office Monthly Income Scheme (POMIS)?

The Post Office Monthly Income Scheme (POMIS) is a popular savings plan offered by India Post. It is designed for individuals who want to invest safely and earn a fixed monthly income. The scheme is backed by the Government of India, making it a secure option compared to market-linked investments.
Investors deposit a lump sum amount, and the post office pays monthly interest on that investment until maturity. At the end of the tenure, the principal is returned.

Key highlights of POMIS:

Safe government-backed savings scheme
Fixed monthly returns
Tenure of 5 years
Available across all post offices in India

What is the Post Office Monthly Income Scheme Calculator?

The Post Office MIS Calculator is a simple tool that helps investors calculate the monthly interest they will receive from their deposits in POMIS. Instead of manually applying formulas, this calculator instantly shows expected monthly income, total interest earned, and maturity value.

This tool is helpful for:

First-time investors in post office schemes
Retired individuals looking for stable income
Anyone planning safe, fixed-return investments

How Does the Post Office MIS Calculator Work?

The Post Office MIS Calculator works by applying the official interest rate on your investment amount. Here’s how it functions step by step:

You enter the investment amount.
The calculator applies the current POMIS interest rate.
It calculates the monthly interest payout you will receive.
It also provides the total interest earned over 5 years and the maturity amount.

Monthly Income = (Investment Amount × Annual Interest Rate) ÷ 12

For example, let’s say you invest ₹4,50,000 in POMIS, and the annual interest rate is 7.4%:

Monthly Income = (₹4,50,000 × 7.4%) ÷ 12 = ₹2,775 per month

Our calculator performs this calculation automatically for you based on the inputs you provide.

How to Use the MIS Calculator?

Using the Post Office MIS Calculator is simple:

Enter the amount you wish to invest.
Select the tenure (default is 5 years as per the scheme).
The calculator instantly displays your monthly income, total earnings, and final maturity amount.

You can adjust the inputs multiple times to compare different investment amounts.

Features of the Post Office MIS Calculator

User-friendly interface with sliders and input boxes
Instant results with no manual effort
Accurate calculations based on the latest POMIS interest rate
Works on mobile, tablet, and desktop
Free to use for unlimited calculations

Benefits of Using the Post Office MIS Calculator

Saves time by avoiding manual math
Helps in financial planning for retirees and salaried individuals
Ensures clarity on how much fixed income you can expect every month
Useful for comparing with other fixed-income options like bank FDs or NSC

Frequently Asked Questions (FAQ)

The interest rate is revised every quarter by the Government of India. The Post Office MIS Calculator uses the updated rate to give accurate results.

Yes. A joint account can be opened by up to 3 adults. The calculator works for both single and joint investments.

Currently, the limit is ₹9 lakh for a single account and ₹15 lakh for a joint account.

Yes. The interest earned is taxable under “Income from Other Sources.” The calculator shows gross returns before tax.

The calculator ensures quick, error-free results, helps you plan monthly cash flow, and lets you test different investment amounts before depositing.