Advanced Post Office MIS Calculator - India's Best POMIS Calculator 2025
Calculate Post Office Monthly Income Scheme returns with goal planning, tax analysis, penalty calculations & reinvestment strategies. Features 12+ advanced tools missing in other POMIS calculators for smarter retirement planning.
Your POMIS Investment Returns
Popular Monthly Income Goals - POMIS Planning
See how much you need to invest for common monthly income requirements
Post Office Investment Schemes Comparison 2025
Compare POMIS with other Post Office investment options
Scheme | Interest Rate | Tenure | Min Investment | Max Investment | Tax Benefits | Best For |
---|---|---|---|---|---|---|
POMIS (MIS) | 7.4% p.a. | 5 Years | โน1,000 | โน9L (Single), โน15L (Joint) | No | Monthly Income |
PPF | 7.1% p.a. | 15 Years | โน500 | โน1.5L/year | Yes (80C) | Long-term Wealth |
NSC | 6.8% p.a. | 5 Years | โน1,000 | No Limit | Yes (80C) | Tax Saving |
SCSS | 8.2% p.a. | 5 Years | โน1,000 | โน30L | Yes (80C) | Senior Citizens |
Post Office TD | 6.9-7.5% p.a. | 1-5 Years | โน1,000 | No Limit | No | Short-term Goals |
KVP | 7.5% p.a. | 9.5 Years | โน1,000 | No Limit | No | Doubling Money |
SSY | 8.2% p.a. | 21 Years | โน250 | โน1.5L/year | Yes (80C) | Girl Child |
Your POMIS Income Schedule (Monthly Breakdown)
Why This is India's Best Post Office MIS Calculator in 2025?
๐ฏ Goal-Based Reverse Planning
FIRST calculator in India with reverse planning - enter your required monthly income (โน5K, โน10K, โน20K) and get exact investment amount needed. Perfect for retirement and income planning.
๐ Advanced Reinvestment Planner
Revolutionary reinvestment calculator shows corpus growth over multiple 5-year cycles. Plan income utilization vs reinvestment for maximum wealth building over 10-30 years.
๐ Comprehensive Account Analysis
Supports Single (โน9L limit), Joint (โน15L limit), and Minor accounts with separate calculations. Includes nomination and transfer facility planning missing in all other calculators.
๐ฐ Complete Tax & Penalty Calculator
Advanced tax analysis based on income slabs with post-tax monthly income calculation. Penalty calculator for premature withdrawal (1-2% based on timing) - unique feature.
๐๏ธ Post Office Scheme Comparison
Compare POMIS with PPF, NSC, SCSS, KVP, SSY, and Post Office TD schemes. Side-by-side analysis of returns, tenure, tax benefits, and suitability.
๐ Interactive Visualizations
Three chart types: Investment Breakdown, Monthly Income Flow, and Tax Analysis. Real-time updates with slider changes for instant financial insights.
๐ฏ Popular Income Goal Cards
Pre-calculated investment requirements for common monthly income goals: โน2K (basics), โน5K (comfort), โน10K (lifestyle), โน20K (premium living). Instant goal clarity.
๐ Detailed Income Schedule
Year-wise and month-wise income breakdown with cumulative totals. Track your exact monthly income, annual tax liability, and post-tax earnings over 5 years.
โก Real-Time Rate Updates
Updated with latest January 2025 POMIS interest rate (7.4% p.a.) and quarterly revision tracking. Always reflects current government-announced rates.
๐ง Advanced Planning Features
Auto-transfer setup analysis, age-based retirement planning, multiple account management, and facility transfer calculations - comprehensive financial planning tools.
๐ฑ Mobile-Optimized Interface
Responsive design with smooth sliders, intuitive mode switching, and fast calculations. Perfect for on-the-go retirement and income planning.
๐ Government-Data Accuracy
Uses official Post Office formulas and limits. Accurate calculation of interest, penalties, account limits, and tax implications as per current government norms.
Complete Guide to Post Office Monthly Income Scheme (POMIS) 2025
Post Office Monthly Income Scheme (POMIS) is a government-backed investment scheme that provides fixed monthly income for 5 years. With current interest rate of 7.4% p.a., it's ideal for retirees, senior citizens, and conservative investors seeking steady returns without market risk.
How is POMIS Interest Calculated?
POMIS uses simple interest calculation with monthly payouts. The formula is straightforward:
Total 5-year income = โน3,083 ร 60 months = โน1,85,000
Principal returned at maturity = โน5,00,000
POMIS Account Types and Limits 2025
- Single Account: Maximum investment โน9 lakh per individual
- Joint Account: Maximum investment โน15 lakh (2-3 holders)
- Minor Account: Maximum โน9 lakh (separate from adult limits)
- Guardian Account: For minors below 10 years
Penalty Structure for Premature Withdrawal
No withdrawal allowed: First 12 months
1-3 years: 2% penalty on principal amount
3-5 years: 1% penalty on principal amount
After 5 years: No penalty, but no interest for extended period
Tax Implications of POMIS 2025
- Monthly interest fully taxable as per income tax slab
- No TDS deduction - full amount received monthly
- No tax benefits under Section 80C (unlike PPF, NSC)
- Interest must be declared in ITR under "Income from Other Sources"
POMIS vs Other Post Office Schemes
POMIS vs PPF: POMIS offers monthly income while PPF provides higher returns with 15-year lock-in and tax benefits.
POMIS vs SCSS: SCSS offers higher interest (8.2%) for senior citizens with quarterly payouts and tax benefits.
POMIS vs NSC: NSC provides tax benefits but no periodic income; suitable for tax-saving goals.
Smart POMIS Investment Strategies 2025
- Laddering Strategy: Invest in multiple POMIS accounts with staggered maturity dates
- Reinvestment Planning: Reinvest monthly income in other schemes for compounding
- Joint Account Optimization: Use joint accounts to invest up to โน15 lakh
- Auto-Transfer Setup: Direct monthly income to savings for systematic investing
- Tax-Efficient Planning: Combine with tax-saving schemes like PPF, NSC for balanced portfolio
Frequently Asked Questions about Post Office MIS 2025
What is the current Post Office MIS interest rate?
The current POMIS interest rate is 7.4% per annum (effective January 2025). This rate is reviewed quarterly by the Government of India based on government bond yields.
Can I withdraw my POMIS investment before 5 years?
Yes, but with penalties. No withdrawal is allowed in the first year. After 1 year, you can withdraw with 2% penalty (1-3 years) or 1% penalty (3-5 years) on the principal amount.
How much monthly income will I get from โน5 lakh investment?
With current 7.4% rate: โน5,00,000 ร 7.4% รท 12 = โน3,083 per month. You'll receive this amount for 60 months, totaling โน1,85,000 over 5 years, plus โน5 lakh principal at maturity.
Is there any TDS on POMIS monthly income?
No, there's no TDS (Tax Deducted at Source) on POMIS monthly income. You receive the full amount monthly, but the interest is taxable as per your income tax slab and must be declared in ITR.
What happens if I don't collect monthly interest?
If you don't collect monthly interest, it will not earn any additional interest. The unclaimed interest will be paid at maturity or when you close the account, but without any returns on it.
Can I transfer my POMIS account to another Post Office?
Yes, POMIS accounts are fully transferable from one Post Office to another across India without any charges. This is useful if you relocate to a different city or state.
Which is better for senior citizens - POMIS or SCSS?
SCSS offers higher interest (8.2%) and tax benefits but has quarterly payouts. POMIS provides lower returns (7.4%) but monthly income. Choose based on your income frequency needs and tax situation.
Can I nominate someone for my POMIS account?
Yes, nomination facility is available for all POMIS accounts. You can nominate family members who will receive the amount and accrued interest in case of your demise.
What happens to my POMIS account after 5 years maturity?
At maturity, you can withdraw the principal amount or reinvest in a new POMIS account. If you don't withdraw within 2 years, the amount earns Post Office Savings Account interest rate (currently 4%).
Can I open multiple POMIS accounts to invest more than โน9 lakh?
No, the โน9 lakh limit is aggregate across all POMIS accounts held by an individual, including shares in joint accounts. However, you can open joint accounts to invest up to โน15 lakh total.