Post Office Monthly Income Scheme - POMIS Returns
Estimate POMIS monthly income, total interest, post-tax income, and maturity value from your deposit.
Enter the investment amount, annual rate, tenure, planned monthly income, and tax rate.
Post Office Monthly Income Scheme - POMIS Returns
Estimate POMIS monthly income, total interest, post-tax income, and maturity value from your deposit.
About the Post Office Monthly Income Scheme
The Post Office Monthly Income Scheme, often shortened to POMIS, is designed around regular interest income from a fixed deposit over a stated term. This calculator turns an investment amount and annual rate into estimated monthly income, gross interest, tax-adjusted income, and return of principal.
The calculator uses the displayed inputs and formula to produce a transparent estimate. Monthly income = principal × annual interest rate ÷ 12. Total interest = monthly income × 12 × investment years; after-tax income applies the entered tax rate. The result is most useful when every input refers to the same period, currency, and definition. Enter values from a current statement, quote, market source, or scenario assumption rather than relying on a remembered approximation. Recalculate whenever an important rate, date, balance, fee, or underlying condition changes.
Use the result to compare realistic alternatives, not to reduce a financial choice to a single figure. Change one assumption at a time and note how the outcome responds. That approach makes it easier to distinguish a change caused by price, rate, timing, allocation, or an operating assumption. The worked examples illustrate the calculation mechanics, but your own situation may use different terms, taxes, fees, contract rules, or market conditions.
Financial estimates are not promises of a future outcome. Providers may use their own pricing schedules, rounding rules, payment dates, eligibility checks, or legal definitions. Investment and economic measures also depend on uncertain inputs and can change quickly. Treat this tool as an educational planning aid and verify critical figures against official documents, current program terms, a lender disclosure, processor schedule, court order, or other authoritative source.
A careful review also considers factors outside the formula. Cash-flow capacity, risk tolerance, taxes, liquidity, penalties, required insurance, and alternative uses of money can matter as much as the calculated output. Save the assumptions with the result when comparing options, then revisit the scenario before making a commitment. This calculator provides a repeatable starting point for that conversation and helps make the arithmetic clear.
Post Office Monthly Income Scheme Examples
Use these worked examples to check inputs and interpret the calculation.
| Inputs | Output | Notes |
|---|---|---|
| ₹500,000 at 7.4% for 5 years with 10% tax | Monthly income ₹3,083.33 | After 10% tax, estimated monthly income is ₹2,775.00. |
| ₹800,000 at 7.4% for 5 years with 20% tax | Monthly income ₹4,933.33 | Gross interest over five years is ₹296,000. |
| ₹900,000 at 7.4% for 8 years with 30% tax | Higher monthly income from a larger deposit | The tool keeps principal separate from paid interest. |
How to Use the Post Office Monthly Income Scheme
- Enter the required values using the units shown for each field.
- Add optional assumptions when they apply to your scenario.
- Click Calculate to review the detailed result values.
- Change one input at a time to compare alternatives before acting.
Post Office Monthly Income Scheme FAQ
What does the Post Office Monthly Income Scheme calculate?
It uses the inputs you provide to calculate a transparent estimate. The displayed formula explains how the result is derived and the result cards separate the important output values.
Which inputs matter most?
The values in the formula have the largest effect on the result. Use current, consistent inputs and change one assumption at a time when comparing alternatives.
Can I rely on this result for an official transaction?
Use the result as a planning estimate. Contract terms, legal rules, tax treatment, processor fees, market data, and provider-specific rounding can produce a different official figure.
How should I use the examples?
Use the worked examples to check the units and direction of the calculation, then replace every assumption with figures that apply to your own situation.
When should I recalculate?
Recalculate whenever a rate, amount, date, allocation, fee, or other assumption changes. Saving the assumptions alongside the result makes comparisons more reliable.