{"id":18494,"date":"2026-04-01T15:45:20","date_gmt":"2026-04-01T15:45:20","guid":{"rendered":"https:\/\/techgurushiksha.in\/?page_id=18494"},"modified":"2026-04-01T18:55:06","modified_gmt":"2026-04-01T18:55:06","slug":"post-office-mis-calculator","status":"publish","type":"page","link":"https:\/\/techgurushiksha.in\/ro\/calculators\/post-office-mis-calculator\/","title":{"rendered":"Post Office MIS Calculator 2026 \u2013 Calculate Monthly Income Instantly\u200b"},"content":{"rendered":"<h1>Post Office MIS Calculator 2026 \u2013 Calculate Monthly Income Instantly<\/h1>\n<p>Calculate your monthly income from the Post Office Monthly Income Scheme (MIS) with our free and accurate <strong data-start=\"438\" data-end=\"468\">Post Office MIS Calculator<\/strong>. Enter your investment amount and interest rate to get instant returns and plan your passive income smartly.<\/p>\n<h3>Post Office Monthly Income Scheme Calculator<\/h3>\n<p><label>Investment Amount (\u20b9)<\/label> <input type=\"range\" id=\"investment\" min=\"1000\" max=\"1000000\" step=\"1000\" value=\"100000\" oninput=\"calc()\"><\/p>\n<p id=\"invVal\">\u20b9100000<\/p>\n<p><label>Interest Rate (%)<\/label> <input type=\"range\" id=\"rate\" min=\"1\" max=\"10\" step=\"0.1\" value=\"7.4\" oninput=\"calc()\"><\/p>\n<p id=\"rateVal\">7.4%<\/p>\n<p><label>Time (Years)<\/label> <input type=\"number\" id=\"time\" value=\"5\" readonly><\/p>\n<h2>Monthly Income: \u20b90<\/h2>\n<h2 data-section-id=\"1svud7y\" data-start=\"685\" data-end=\"730\">&#x1f4ca; <strong data-start=\"691\" data-end=\"730\">What is Post Office MIS Calculator?<\/strong><\/h2>\n<p data-start=\"732\" data-end=\"1003\">The <strong data-start=\"736\" data-end=\"766\">Post Office MIS Calculator<\/strong> is an online tool that helps investors estimate the monthly income they can earn from the <strong data-start=\"857\" data-end=\"900\"><a href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/\">Post Office Monthly Income Scheme <\/a>(MIS)<\/strong>. It uses the current interest rate and your investment amount to calculate guaranteed monthly returns.<\/p>\n<h2 data-section-id=\"erxy05\" data-start=\"1010\" data-end=\"1046\">&#x1f4a1; <strong data-start=\"1016\" data-end=\"1046\">How to Use MIS Calculator?<\/strong><\/h2>\n<p data-start=\"1048\" data-end=\"1074\">Follow these simple steps:<\/p>\n<ol data-start=\"1076\" data-end=\"1201\">\n<li data-section-id=\"z2q5qm\" data-start=\"1076\" data-end=\"1111\">Enter your <strong data-start=\"1090\" data-end=\"1111\">investment amount<\/strong><\/li>\n<li data-section-id=\"3ca84h\" data-start=\"1112\" data-end=\"1159\">Adjust the <strong data-start=\"1126\" data-end=\"1159\">interest rate (default: 7.4%)<\/strong><\/li>\n<li data-section-id=\"319498\" data-start=\"1160\" data-end=\"1201\">View your <strong data-start=\"1173\" data-end=\"1201\">monthly income instantly<\/strong><\/li>\n<\/ol>\n<p data-start=\"1203\" data-end=\"1238\">&#x1f449; No manual calculations required!<\/p>\n<h2 data-section-id=\"1fo7pfh\" data-start=\"1245\" data-end=\"1290\">&#x1f9ee; <strong data-start=\"1251\" data-end=\"1290\">Post Office MIS Calculation Formula<\/strong><\/h2>\n<p data-start=\"1292\" data-end=\"1327\">Monthly Income is calculated using:<\/p>\n<p data-start=\"1292\" data-end=\"1327\">Monthly Income = (Investment \u00d7 Interest Rate) \u00f7 12<\/p>\n<p data-start=\"1389\" data-end=\"1397\">Example:<\/p>\n<ul data-start=\"1399\" data-end=\"1448\">\n<li data-section-id=\"197aob\" data-start=\"1399\" data-end=\"1424\">Investment: \u20b91,00,000<\/li>\n<li data-section-id=\"9xo8ou\" data-start=\"1425\" data-end=\"1448\">Interest Rate: 7.4%<\/li>\n<\/ul>\n<p data-start=\"1450\" data-end=\"1474\">&#x1f449; Monthly Income = \u20b9617<\/p>\n<h2 data-section-id=\"14uuql\" data-start=\"1481\" data-end=\"1525\">&#x1f4c8; <strong data-start=\"1487\" data-end=\"1525\">Post Office MIS Interest Rate 2026<\/strong><\/h2>\n<ul data-start=\"1527\" data-end=\"1620\">\n<li data-section-id=\"lg2nhl\" data-start=\"1527\" data-end=\"1570\">Current Interest Rate: <strong data-start=\"1552\" data-end=\"1570\">7.4% per annum<\/strong><\/li>\n<li data-section-id=\"q10tl7\" data-start=\"1571\" data-end=\"1590\">Paid: <strong data-start=\"1579\" data-end=\"1590\">Monthly<\/strong><\/li>\n<li data-section-id=\"14skpun\" data-start=\"1591\" data-end=\"1620\">Lock-in Period: <strong data-start=\"1609\" data-end=\"1620\">5 years<\/strong><\/li>\n<\/ul>\n<blockquote data-start=\"1622\" data-end=\"1685\">\n<p data-start=\"1624\" data-end=\"1685\">Note: Interest rates are revised quarterly by the government.<\/p>\n<\/blockquote>\n<h2 data-section-id=\"m9krf\" data-start=\"1692\" data-end=\"1727\">&#x2705; <strong data-start=\"1697\" data-end=\"1727\">Key Features of MIS Scheme<\/strong><\/h2>\n<ul data-start=\"1729\" data-end=\"1866\">\n<li data-section-id=\"yykfok\" data-start=\"1729\" data-end=\"1760\">&#x2714; Guaranteed monthly income<\/li>\n<li data-section-id=\"zhsgrz\" data-start=\"1761\" data-end=\"1795\">&#x2714; Government-backed investment<\/li>\n<li data-section-id=\"17xdzvv\" data-start=\"1796\" data-end=\"1810\">&#x2714; Low risk<\/li>\n<li data-section-id=\"1juw4zh\" data-start=\"1811\" data-end=\"1838\">&#x2714; Suitable for retirees<\/li>\n<li data-section-id=\"19b53nz\" data-start=\"1839\" data-end=\"1866\">&#x2714; 5-year lock-in period<\/li>\n<\/ul>\n<h2 data-section-id=\"2byou\" data-start=\"1873\" data-end=\"1908\">&#x1f9e0; <strong data-start=\"1879\" data-end=\"1908\">Who Should Invest in MIS?<\/strong><\/h2>\n<p data-start=\"1910\" data-end=\"1935\">This scheme is ideal for:<\/p>\n<ul data-start=\"1937\" data-end=\"2052\">\n<li data-section-id=\"qjoii3\" data-start=\"1937\" data-end=\"1960\">Retired individuals<\/li>\n<li data-section-id=\"14eh464\" data-start=\"1961\" data-end=\"1987\">Passive income seekers<\/li>\n<li data-section-id=\"1a3ednu\" data-start=\"1988\" data-end=\"2014\">Conservative investors<\/li>\n<li data-section-id=\"wtw8oz\" data-start=\"2015\" data-end=\"2052\">People looking for stable returns<\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>MIS Scheme<\/th>\n<th>Fixed Deposit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Returns<\/td>\n<td>Monthly<\/td>\n<td>Maturity<\/td>\n<\/tr>\n<tr>\n<td>Risk<\/td>\n<td>Very Low<\/td>\n<td>Low<\/td>\n<\/tr>\n<tr>\n<td>Liquidity<\/td>\n<td>Medium<\/td>\n<td>Medium<\/td>\n<\/tr>\n<tr>\n<td>Backed By<\/td>\n<td>Govt<\/td>\n<td>Bank<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 data-section-id=\"1r479n7\" data-start=\"2375\" data-end=\"2417\">&#x2753; <strong data-start=\"2380\" data-end=\"2417\">FAQs \u2013 Post Office MIS Calculator<\/strong><\/h2>\n<h3 data-section-id=\"2duho6\" data-start=\"2419\" data-end=\"2464\">1. What is the maximum investment in MIS?<\/h3>\n<ul data-start=\"2465\" data-end=\"2520\">\n<li data-section-id=\"qcd664\" data-start=\"2465\" data-end=\"2493\">\u20b99 lakh (single account)<\/li>\n<li data-section-id=\"1ees7d9\" data-start=\"2494\" data-end=\"2520\">\u20b915 lakh (joint account)<\/li>\n<\/ul>\n<hr data-start=\"2522\" data-end=\"2525\" \/>\n<h3 data-section-id=\"qoidt5\" data-start=\"2527\" data-end=\"2556\">2. Is MIS better than FD?<\/h3>\n<p data-start=\"2557\" data-end=\"2639\">MIS is better for <strong data-start=\"2575\" data-end=\"2593\">monthly income<\/strong>, while FD is better for <strong data-start=\"2618\" data-end=\"2638\">lump sum returns<\/strong>.<\/p>\n<hr data-start=\"2641\" data-end=\"2644\" \/>\n<h3 data-section-id=\"nvm6lq\" data-start=\"2646\" data-end=\"2668\">3. Is MIS taxable?<\/h3>\n<p data-start=\"2669\" data-end=\"2705\">Yes, interest earned is <strong data-start=\"2693\" data-end=\"2704\">taxable<\/strong>.<\/p>\n<hr data-start=\"2707\" data-end=\"2710\" \/>\n<h3 data-section-id=\"3ayswk\" data-start=\"2712\" data-end=\"2749\">4. Can I withdraw before 5 years?<\/h3>\n<p data-start=\"2750\" data-end=\"2774\">Yes, but with penalties.<\/p>\n<p data-start=\"2750\" data-end=\"2774\">\u00a0<\/p>\n<p data-start=\"2750\" data-end=\"2774\">For more data-backed breakdowns of small savings schemes, fixed income instruments, and zero-risk investing strategies for the Indian market, subscribe to the <a href=\"https:\/\/techgurushiksha.in\/ro\/\">TechGuruShiksha<\/a> newsletter.<\/p>\n\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div>","protected":false},"excerpt":{"rendered":"<p>Post Office MIS Calculator 2026 \u2013 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":18487,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"_gspb_post_css":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"enableOnePageScrollInPage":false,"onePageScrollCss":"","onePageScrollSpeed":1000,"onePageScrollAnimation":"easeInOutQuad","onePageScrollShowDotNavigation":true,"onePageScrollNavigation":"scaleUp","onePageScrollNavigationPosition":"right","onePageScrollNavigationHorizontal":[],"onePageScrollNavigationVertical":[],"onePageScrollNavigationSpacing":[],"onePageScrollNavigationColor":"#00ff0d","onePageScrollNavigationColorHover":"#00ff0d","onePageScrollNavigationColorActive":"#00ff0d","onePageScrollNavigationIcon":[],"onePageScrollNavigationWidth":[],"onePageScrollNavigationWidthHover":[],"onePageScrollNavigationWidthActive":[],"onePageScrollNavigationHeight":[],"onePageScrollNavigationHeightHover":[],"onePageScrollNavigationHeightActive":[],"onePageScrollNavigationBorder":[],"onePageScrollNavigationBorderHover":[],"onePageScrollNavigationBorderActive":[],"onePageScrollNavigationBorderRadius":[],"onePageScrollNavigationBorderRadiusHover":[],"onePageScrollNavigationBorderRadiusActive":[],"onePageScrollNavigationTooltipTypography":[],"onePageScrollNavigationTooltipColor":"#ffffff","onePageScrollNavigationTooltipColorHover":"","onePageScrollNavigationTooltipBgColor":"#00ff0d","onePageScrollNavigationTooltipBgColorHover":"","onePageScrollNavigationTooltipPadding":[],"onePageScrollNavigationTooltipPaddingHover":[],"onePageScrollNavigationTooltipBorderRadius":[],"onePageScrollNavigationTooltipBorderRadiusHover":[],"pageSettingsCustomCss":"","_daim_seo_power":"","_daim_enable_ail":"","footnotes":""},"class_list":["post-18494","page","type-page","status-publish","hentry"],"blocksy_meta":[],"acf":[],"_links":{"self":[{"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/pages\/18494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/comments?post=18494"}],"version-history":[{"count":10,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/pages\/18494\/revisions"}],"predecessor-version":[{"id":18517,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/pages\/18494\/revisions\/18517"}],"up":[{"embeddable":true,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/pages\/18487"}],"wp:attachment":[{"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/media?parent=18494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}