Post Office MIS Calculator 2026 – Calculate Monthly Income Instantly

Calculate your monthly income from the Post Office Monthly Income Scheme (MIS) with our free and accurate Post Office MIS Calculator. Enter your investment amount and interest rate to get instant returns and plan your passive income smartly.

Post Office Monthly Income Scheme Calculator

Investment Amount (₹)

₹100000

Interest Rate (%)

7.4%

Time (Years)

Monthly Income: ₹0

📊 What is Post Office MIS Calculator?

The Post Office MIS Calculator is an online tool that helps investors estimate the monthly income they can earn from the Post Office Monthly Income Scheme (MIS). It uses the current interest rate and your investment amount to calculate guaranteed monthly returns.

💡 How to Use MIS Calculator?

Follow these simple steps:

1. Enter your investment amount
2. Adjust the interest rate (default: 7.4%)
3. View your monthly income instantly

👉 No manual calculations required!

🧮 Post Office MIS Calculation Formula

Monthly Income is calculated using:

Monthly Income = (Investment × Interest Rate) ÷ 12

Example:

• Investment: ₹1,00,000
• Interest Rate: 7.4%

👉 Monthly Income = ₹617

📈 Post Office MIS Interest Rate 2026

• Current Interest Rate: 7.4% per annum
• Paid: Monthly
• Lock-in Period: 5 years

Note: Interest rates are revised quarterly by the government.

✅ Key Features of MIS Scheme

• ✔ Guaranteed monthly income
• ✔ Government-backed investment
• ✔ Low risk
• ✔ Suitable for retirees
• ✔ 5-year lock-in period

🧠 Who Should Invest in MIS?

This scheme is ideal for:

• Retired individuals
• Passive income seekers
• Conservative investors
• People looking for stable returns

Feature	MIS Scheme	Fixed Deposit
Returns	Monthly	Maturity
Risk	Very Low	Low
Liquidity	Medium	Medium
Backed By	Govt	Bank

❓ FAQs – Post Office MIS Calculator

1. What is the maximum investment in MIS?

• ₹9 lakh (single account)
• ₹15 lakh (joint account)

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2. Is MIS better than FD?

MIS is better for monthly income, while FD is better for lump sum returns.

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3. Is MIS taxable?

Yes, interest earned is taxable.

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4. Can I withdraw before 5 years?

Yes, but with penalties.

 

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