Sukanya Samriddhi Yojana Calculator
Estimate SSY maturity for a girl child with yearly deposits, 15 deposit years, and 21-year maturity.
UseMonthly income scheme
Post Office MIS Calculator
Estimate Post Office Monthly Income Scheme payout, yearly taxable income, 5-year total interest, and principal returned at maturity.
₹5,550 Monthly income5 yrs Term7.4% Rate
Inputs
Fixed monthly incomePost Office MIS Calculator details
Result
Live estimateMonthly income
Yearly income₹66,60012 monthly payouts.
5-year interest₹3,33,000Total payout over scheme term.
Principal at maturity₹9,00,000Deposit returned after 5 years.
Single account checkWithin singleSingle account planning limit is Rs 9 lakh.
Joint account checkWithin jointJoint planning limit is Rs 15 lakh.
Tax noteTaxableInterest is taxable at slab rate.
Estimate only. MIS deposit limits, rates, account type, premature closure, and tax rules should be verified before investing.
CA check
Planning viewKey assumptions
Deposit₹9,00,000MIS principal used.
Interest rate7.4%Rate assumption for monthly payout.
Payout modeMonthlyInterest is paid out, not compounded.
Principal ₹9,00,0005-year interest ₹3,33,000
Projection
5 rowsMIS yearly payout schedule
Shows yearly income and cumulative interest over the 5-year term.
| Year | Monthly income | Yearly income | Cumulative interest |
|---|---|---|---|
| 1 | ₹5,550 | ₹66,600 | ₹66,600 |
| 2 | ₹5,550 | ₹66,600 | ₹1,33,200 |
| 3 | ₹5,550 | ₹66,600 | ₹1,99,800 |
| 4 | ₹5,550 | ₹66,600 | ₹2,66,400 |
| 5 | ₹5,550 | ₹66,600 | ₹3,33,000 |
Post Office MIS Calculator guide
Use this page for Post Office MIS calculator, Monthly Income Scheme calculator, post office monthly income calculator, MIS interest calculator, and post office monthly interest calculator keywords.
Post Office MIS is an income product. The monthly payout supports cash flow, but the interest does not compound unless you reinvest it separately.
As a CA planning point, MIS interest is taxable. For retirees, compare MIS with SCSS, FD payout, annuity, and SWP based on tax slab, liquidity, and income need.
Post Office MIS Calculator FAQs
Is Post Office MIS interest monthly?
Yes. MIS pays interest monthly, while the principal is returned at maturity.
Is MIS interest taxable?
Yes. MIS interest is taxable at your slab rate.
Does MIS compound interest?
No. Interest is paid out monthly. You can separately reinvest payouts if you want compounding.