POMIS Calculator: Calculate Your Guaranteed Monthly Post Office Income
The Post Office Monthly Income Scheme (POMIS) is one of the most secure and dependable investment avenues in India, specifically designed for individuals seeking a fixed, regular monthly income. It is exceptionally popular among retirees and conservative investors due to its zero-risk nature, being fully backed by the Government of India.
Our POMIS Calculator allows you to instantly determine the exact monthly income you will receive over the scheme’s entire 5-year tenure based on your investment amount.
How to Calculate Your POMIS Monthly Payout
Unlike other savings schemes like FDs, the POMIS interest is calculated annually but paid out to the investor on a monthly basis. The scheme involves no compounding of interest.
The core formula is simple:
$$\text{Monthly Income} = \frac{\text{Principal Invested} \times \text{Annual Interest Rate}}{12}$$
For instance, if you invest the maximum allowed amount in a single account (₹9,00,000) at the current 7.4% interest rate (as of Q3 FY 2025-26):
$$\text{Monthly Income} = \frac{₹9,00,000 \times 7.4\%}{12} = ₹5,550$$
Use the calculator above to easily visualize your monthly earnings and the total interest generated throughout the 60 months of the scheme.
Key Features and POMIS Limits
To maximize your monthly income, it’s crucial to be aware of the investment limits and scheme details.
| POMIS Feature | Detail |
| Current Interest Rate (p.a.) | 7.4% (Fixed for the 5-year term) |
| Tenure | Fixed at 5 Years (60 Months) |
| Max Investment (Single Account) | ₹9 Lakh |
| Max Investment (Joint Account) | ₹15 Lakh |
| Risk Level | Zero Risk (Government-backed) |
| Return at Maturity | Principal amount is returned in full |
Why Use the Post Office MIS Calculator?
- Guaranteed Income Assessment: Quickly determine if the Post Office Monthly Income Scheme meets your need for a fixed cash flow for retirement or household expenses.
- Plan Maximum Investment: Easily check the income generated by the maximum limits (₹9 lakh single, ₹15 lakh joint) to ensure you are optimizing the scheme’s potential.
- Compare Against FD/SCSS: The calculator helps you compare the fixed monthly income against the returns from other fixed-income instruments like Bank FDs or the Senior Citizen Savings Scheme (SCSS).
Important Note on Taxability
It is vital for financial planning to know that the interest earned from the Post Office MIS is fully taxable. While no TDS (Tax Deducted at Source) is applied by the post office, the interest income must be included in your gross total income and taxed according to your applicable income tax slab.
Use our POMIS Calculator now to begin planning your secure and reliable monthly income stream.