Post Office MIS Calculator - Monthly Income Scheme (2025)

Planning to invest in the Post Office Monthly Income Scheme (POMIS)? Use our Post Office MIS Calculator to estimate your fixed monthly interest income from this secure, government-backed savings option. This free tool helps you plan your investments more accurately without any sign-up or complicated formulas.

MIS Calculator

Calculate your monthly income from Post Office Monthly Income Scheme
Monthly Income: ₹0
Total Interest Earned: ₹0
Principal Returned at Maturity: ₹0

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

The Post Office Monthly Income Scheme, commonly known as MIS, is one of the safest investment options in India. Offered by India Post, this scheme allows investors to deposit a lump-sum amount and receive a fixed monthly interest payout for 5 years.

Here are the key features of the scheme:

  • Government-backed and low-risk
  • Lump-sum investment with monthly income
  • Fixed tenure of 5 years (60 months)
  • Interest is paid out monthly — not compounded
  • Principal is returned at the end of the tenure
  • Ideal for senior citizens or those seeking stable returns

Currently, for the July–September 2025 quarter, the interest rate for MIS is 7.4% per annum.

How Does the MIS Calculator Work?

The MIS calculator works on a simple formula: Monthly Income = (Investment Amount × Annual Interest Rate) ÷ 12

There is no compounding involved. This makes the Post Office MIS calculator simple and transparent. You just need to enter your investment amount and interest rate, and the calculator will instantly show:

  •  Your monthly payout
  •  Total interest earned over 5 years
  •  Total maturity amount (original capital, returned at the end)

Why Use a MIS Calculator?

The Post Office MIS calculator is the fastest way to understand your monthly income potential from POMIS. It’s perfect for:

  • Planning monthly cash flows
  • Estimating fixed income in retirement
  • Comparing with other options like RD, FD, or SCSS
  • Avoiding manual errors in calculation

Useful Information About MIS !

  • Eligibility: Resident Indians. NRIs are not eligible.
  • Minimum Investment: ₹1,000 (in multiples of ₹1,000)
  • Maximum Investment: ₹9 lakh (single) or ₹15 lakh (joint)
  • Premature Withdrawal: Allowed after 1 year with penalties
  • Taxation: Interest is fully taxable, but no TDS is deducted
post office MIS calculator

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Frequently Asked Questions

A MIS calculator is an online tool that helps you estimate how much monthly income you’ll earn from the Post Office Monthly Income Scheme. It uses simple interest formulas and shows results instantly.

As of Q2 FY 2025-26 (July to September), the MIS interest rate is 7.4% per annum, fixed by the Indian government.

Yes, the monthly interest you receive is fully taxable as per your income tax slab. However, no TDS is deducted at the source.

Yes, you can open a joint MIS account with up to 3 adults. The maximum limit for joint investment is ₹15,00,000.

MIS provides monthly payouts, which are ideal for retirees or those needing regular income. Unlike RD or FD, MIS does not compound the interest, but it’s highly stable and backed by the government.

  • Yes, premature closure is allowed:
  • After 1 year but before 3 years: 2% penalty
  • After 3 years: 1% penalty

Yes. A guardian can open an MIS account on behalf of a minor. Minors above 10 years can operate the account themselves.

Our MIS calculator uses the standard government formula for interest calculation, so results are accurate and reliable for planning your finances.