Post Office Monthly Income Scheme Calculator
Use the Post Office MIS Calculator (POMIS) to calculate the fixed income you can earn from your Post Office Monthly Income Scheme. Just enter the invested amount and account opening date to quickly calculate the returns.
What is the Post Office Monthly Income Scheme?
The Post Office Monthly Income Scheme is a government-supported saving scheme offered through India Post. In this scheme, an investor can deposit a lump sum amount to earn a fixed monthly interest for 5 years of tenure.
As of the April–June 2026 quarter, the post office MIS scheme offers 7.4% interest per annum, which is payable monthly.
Anyone can start investing in the post office MIS scheme with a minimum deposit of ₹1,000. The maximum allowed investment limit is ₹9 lakh for a single account and ₹15 lakh for a joint account.
What is the Post Office MIS Scheme Calculator?
Post Office Monthly Income Scheme Calculator is a free online tool that helps the investors calculate the monthly income (or interest) from their POMIS investments. You just need to fill in the investment amount and account opening date to calculate the returns.
Instead of manually applying a formula, the Post MIS Calculator simply shows how much interest you can earn based on your investment amount.
The calculator can also help you estimate:
- Monthly income from the Post Office MIS Scheme
- Total interest earned during the tenure
- Maturity value at the end of 5 years
- Maturity date based on your account opening date
- Approximate impact of premature withdrawal after 3 or 4 years
This makes the POMIS calculator useful for planning monthly income, comparing investment amounts, and understanding expected returns before investing.
At maturity, the invested principal is returned to the investor. However, if the account is closed before maturity, premature withdrawal rules and deductions may apply. Premature closure is generally not allowed before 1 year. If closed after 1 year but before 3 years, a 2% deduction on the deposit applies. If closed after 3 years but before 5 years, a 1% deduction on the deposit applies.
How Does Our Post Office MIS Calculator Help You?
The CoinDCX Post Office MIS Calculator helps you estimate your monthly payout, total interest earned, and maturity value in seconds. It is useful for investors who want a simple way to plan fixed monthly income.
Here is how it helps:
1. Calculates Monthly Income Instantly
The POMIS calculator shows the estimated monthly payout based on your investment amount and interest rate. This helps you understand how much regular income you may receive every month.
2. Shows Total Interest Earned
Investors can see the total and monthly interest they can earn in the selected lock-in period. This is useful for comparing the Post-MIS scheme returns with other investment options.
3. Displays Maturity Value
The calculator shows the maturity value, which is the principal amount returned at the end of the 5-year tenure. This helps clarify that the monthly income comes from interest, while the principal is returned separately.
4. Calculates Maturity Date
By using the account opening date, the calculator estimates the maturity date. This helps investors plan future cash flows and reinvestment decisions.
5. Allows Editable Interest Rate
The calculator is pre-filled with the current interest rate of 7.4%, but users can edit the rate to model future scenarios. This is useful because Post Office MIS interest rates are reviewed periodically by the government.
6. Helps Compare Withdrawal Scenarios
The calculator can help users understand how returns differ if the investment is held for the full 5-year period or withdrawn after 3 or 4 years.
How to Use the Post Office MIS Calculator
Using the Post Office Monthly Income Scheme Calculator is simple. Follow these steps:
Step 1: Enter the Investment Amount
Enter the amount you want to invest in the Post Office MIS Scheme. The minimum amount should be ₹1,000, and the amount should be in multiples of ₹1,000.
Step 2: Check or Edit the Interest Rate
The calculator is pre-filled with the current Post Office MIS interest rate of 7.4% per annum. You can keep this rate or edit it to test different interest rate scenarios.
Step 3: Select the Lock-in Period
Choose the applicable lock-in period from the dropdown:
- 5 years — default full maturity period
- After 3 years: Monthly Income × 36, then deduct 2% of the principal
- After 4 years: Monthly Income × 48, then deduct 1% of the principal
Step 4: Select the Account Opening Date
Choose the date on which the account is opened. The calculator uses this to estimate the maturity date.
Step 5: View the Results
The calculator will display:
- Monthly income
- Total interest earned
- Maturity value
- Maturity date
This gives you a clear estimate of your expected returns from the Post Office Monthly Income Scheme.
Example: Post Office MIS Monthly Income Calculation
Here is an example of how the post office monthly income scheme calculator works.
Suppose you invest ₹5,00,000 at an annual interest rate of 7.4%.
Monthly Income = ₹5,00,000 × 7.4% / 12
Estimated Monthly Income = ₹3,083 approximately
For the full 5-year tenure:
Total Interest Earned = ₹3,083 × 60 = ₹1,84,980 approximately
At maturity, the investor receives the principal amount of ₹5,00,000, along with the monthly income already received during the tenure.
Post Office MIS Calculator Output
Output Metric | What It Shows |
Monthly Income | Estimated monthly interest payout |
Total Interest Earned | Total interest earned during the selected period |
Maturity Value | Principal amount returned at maturity |
Maturity Date | Date when the 5-year tenure ends |
FAQs
Q1. What is the maximum investment limit for the Post Office MIS Scheme?
The maximum investment limit for the Post Office Monthly Income Scheme is ₹9 lakh for a single account and ₹15 lakh for a joint account. The minimum investment amount is generally ₹1,000, and deposits are made in multiples of ₹1,000.
Q2. What is the interest rate of the Post Office MIS Scheme?
The current Post Office MIS interest rate is 7.4% per annum, payable monthly, for the April–June 2026 quarter. The interest rate is notified by the government and may be revised periodically.
Q3. What is the lock-in period for the Post Office Monthly Income Scheme?
The lock-in period for the Post Office Monthly Income Scheme is 5 years. The account matures at the end of 5 years from the date of opening.
Q4. Can we withdraw the invested amount before the 5-year lock-in period?
Yes, premature withdrawal is allowed, but only after completing 1 year from the date of account opening. If the account is closed after 1 year but before 3 years, a 2% deduction on the deposit amount applies. If it is closed after 3 years but before 5 years, a 1% deduction applies.
Q5. What are the features of the CoinDCX Post Office MIS Calculator?
The CoinDCX Post Office MIS Calculator helps users calculate monthly income, total interest earned, maturity value, and maturity date. It includes editable interest rate inputs, lock-in period options, and date-based maturity calculation to help users plan their monthly income more clearly.
Q6. Is the Post Office MIS Calculator free to use?
Yes, the Post Office Monthly Income Scheme Calculator is free to use. You can enter different investment amounts and interest rates to compare potential monthly income scenarios.
Q7. Is Post Office MIS interest taxable?
Yes, interest earned from the Post Office Monthly Income Scheme is taxable as per the investor’s applicable income tax slab. Investors should consult a tax advisor for personalized tax guidance.
Q8. Does the Post Office MIS Calculator show guaranteed returns?
The calculator shows estimated returns based on the investment amount, interest rate, and selected tenure. The actual return will depend on the applicable Post Office MIS rules and the interest rate at the time of account opening. Once the account is opened, the interest rate generally remains fixed for the tenure.
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