Post Office MIS Calculator - Monthly Income Scheme
See the monthly income a Post Office MIS deposit could generate at the current illustrative rate-useful for retirees planning cash flows.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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Post Office MIS calculator - how to use this tool
Calculate post office monthly income scheme style payouts on your deposit.
The Post Office Monthly Income Scheme (POMIS) calculator shows the monthly interest a one-time deposit generates over its 5-year term. It suits conservative investors who want predictable income with government backing rather than growth.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
How does the Post Office Monthly Income Scheme work?
POMIS pays interest every month on a one-time deposit over a 5-year term-it suits retirees and others needing steady income while the principal stays intact until maturity.
What is the maximum I can invest in POMIS?
There are per-account caps that differ for single and joint accounts and are revised from time to time-check the current limits at your post office.
Is POMIS interest taxable?
Yes, the monthly interest is taxable at your slab and there is no 80C benefit on the deposit. TDS is generally not deducted by the post office, but the income must still be declared.
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