Free POMIS calculator. Estimate monthly interest income, after-tax returns, and reinvestment growth from India Post Office MIS investments.
The Post Office Monthly Income Scheme (POMIS) Calculator estimates your guaranteed monthly interest income from India Post's MIS investment. Enter your investment amount, current interest rate, and tax bracket to see gross and after-tax monthly income, maturity value, and how reinvesting the monthly payout can grow your wealth.
The Post Office MIS is one of India's most popular fixed-income investments, offering guaranteed monthly payouts backed by the Government of India. With the rate currently set at 7.4% per annum during 2025-26, it provides predictable income for retirees, senior citizens, and conservative investors. The current deposit limit is ₹9 lakh for a single account and ₹15 lakh for a joint account, so this page now models those account-type limits directly instead of multiplying by an arbitrary number of accounts.
The investment comparison table shows monthly income across different investment amounts, while the reinvestment scenario demonstrates how systematically reinvesting monthly payouts at an assumed rate can significantly boost total returns over the 5-year tenure. It is useful when comparing POMIS to bank FDs, recurring deposits, or other conservative income products because the monthly payout structure makes the cash flow easy to forecast. You can also use it to estimate the after-tax value of the interest if you fall into a higher slab or want to plan around TDS. The example illustrates a single investment case, but the same logic applies across the allowed account limits and different tax assumptions.
POMIS is ideal for investors seeking guaranteed monthly income. This calculator shows exact monthly payouts, after-tax returns based on your tax bracket, and the compounding benefit of reinvesting monthly income — essential for retirement income planning in India. It also gives a clear way to compare safety and liquidity trade-offs before choosing a fixed-income option.
Monthly Interest = (Investment × Annual Rate) ÷ 12 Annual Interest = Investment × Rate Total Interest = Annual Interest × Tenure Maturity Value = Investment + Total Interest Effective Rate = (Annual Interest × (1 − Tax Rate)) ÷ Investment × 100
Result: Monthly income: ₹3,083 (₹2,467 after tax)
Annual interest: ₹37,000. Monthly gross: ₹3,083. After 20% tax: ₹2,467/month. Total interest over 5 years: ₹1,85,000. Maturity: ₹6,85,000.
POMIS offers a fixed monthly payout backed by the Government of India, which makes it useful for investors who care more about predictable cash flow than market-linked growth. The right comparison is not just headline rate versus an FD, but also payout frequency, liquidity, renewal terms, and the role of the investment inside your wider income plan.
Interest from POMIS is taxable, so after-tax income can differ meaningfully from the headline monthly credit. Use the tax-rate field here as a planning assumption, then confirm the actual withholding and return treatment that applies to your situation before making a final decision.
Simply receiving ₹3,083/month from a ₹5 lakh POMIS generates ₹1,85,000 over 5 years. But reinvesting that income at even 6% annually in a recurring deposit or mutual fund can generate an additional ₹15,000-20,000 in compound interest — turning passive income into active wealth building.
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This page models the Post Office Monthly Income Scheme as a fixed-income worksheet. It caps the deposit at the current scheme limit for the selected account type, calculates monthly interest as deposit multiplied by the annual rate divided by 12, and then shows a simple after-tax view by applying the user's entered tax-rate assumption to the annual interest. The reinvestment section separately compounds each monthly after-tax payout at the user-entered reinvestment rate to illustrate what could happen if the monthly income is deployed elsewhere rather than spent.
It is a planning worksheet, not a substitute for the notified scheme rules, the current quarterly small-savings rate notice, or personal tax advice. Actual tax treatment, renewal decisions, and any forms or withholding requirements depend on the investor's current situation and the rules in force at that time.
The Post Office MIS rate is currently 7.4% per annum, paid monthly. The government reviews and sets small-savings rates periodically, so always check the latest notified rate before investing.
The current scheme limit is ₹9 lakh for a single account and ₹15 lakh for a joint account. The minimum deposit is ₹1,000 in multiples of ₹1,000.
Yes. Interest earned is taxable as income. This calculator applies the tax bracket you enter as a planning assumption, but actual withholding, forms, and final tax liability depend on the current tax rules and your return.
Premature withdrawal is allowed after 1 year with a penalty of 2% (if before 3 years) or 1% (after 3 years). No withdrawal is permitted in the first year.
The principal amount is returned in full. If not withdrawn, the account can be renewed for another 5-year term at the prevailing rate. That means the account does not disappear automatically, but your renewal terms will follow whatever rate applies at the time.
Yes. POMIS is backed by the Government of India, making it virtually risk-free. It is one of the safest investment options in India, though returns are moderate compared to market-linked instruments.