What is the Post Office MIS Calculator?

The Post Office MIS Calculator helps you calculate the monthly interest payout and total returns from the Post Office Monthly Income Scheme (POMIS). Just enter your investment amount and it shows how much monthly income you will receive and the total interest earned over 5 years.

This tool is useful for anyone planning to invest in a safe and fixed-income scheme like the POMIS, offered by India Post.

Why Use This Calculator?

To know exact monthly income before investing in POMIS
To compare POMIS returns with other fixed-income options like bank FDs or NSC
To help senior citizens and retirees plan their monthly expenses
To estimate total returns over 5 years in advance

It saves time and removes guesswork while planning your investment.

How to Use the Calculator

Enter the investment amount (maximum ₹9 lakh for a single account, ₹15 lakh for joint).
Enter the current interest rate (e.g. 7.4% per annum, updated by India Post).
Click Calculate or see the result instantly.

The calculator will show:

Monthly income you will receive
Total interest earned in 5 years

No login or personal info is required.

Tips and Insights

The interest is paid monthly, not quarterly or annually.
POMIS has a lock-in period of 5 years.
It’s best for risk-free income planning, especially for retirees or low-risk investors.
Interest earned is taxable, so consider your tax slab while planning.
You can reinvest the maturity amount in other post office schemes.