Post Office Monthly Income Scheme (POMIS) Payout & RD Reinvestment Yield Calculator

Calculate monthly POMIS income and 5-year POMIS-to-RD sweep effective yield.

Monthly POMIS Interest Payout
5,550 USD/mo
5-Year Plain Interest (Uninvested) 333,000 USD
5-Year Swept RD Maturity Value 394,270.48 USD
Extra Compounding Gain from RD Sweep 61,270.48 USD
Inputs
⚡ Scenarios:
Amounts are treated in the selected currency; no foreign-exchange conversion is applied.
currency
Lump-sum POMIS deposit (max ₹9L single, ₹15L joint).
% p.a.
POMIS annual interest rate (% p.a. paid monthly).
% p.a.
5-year Recurring Deposit rate if monthly interest is reinvested.
Results & Graph
Monthly POMIS Interest Payout
5,550 USD/mo
5-Year Plain Interest (Uninvested)
333,000 USD
5-Year Swept RD Maturity Value
394,270.48 USD
Extra Compounding Gain from RD Sweep
61,270.48 USD

Monthly POMIS Interest Payout

Graph 1 • Post Office MIS + RD Yield • Domain Architecture & Live Telemetry Maps Pomis Deposit Amount, Pomis Annual Rate Pct, Sweep Rd Annual Rate Pct through Post Office MIS + RD Yield Formula.
INDIA TAX, BANKING & SCHEM Monthly POMIS Interest Pay 5,550 USD/mo 5-Year Plain Interest (Uni 333,000 USD Post Office MIS + RD Yield • Component Waterfall Monthly POMIS Interest Payout 5,550 USD/mo 5-Year Plain Interest (Uninves 333,000 USD 5-Year Swept RD Maturity Value 394,270.48 USD Extra Compounding Gain from RD 61,270.48 USD
Graph 2 • Monthly POMIS Interest Payout Across Pomis Deposit Amount Sweep (40% → 160%) Evaluates MonthlyPayout = Principal × (MIS_Rate% / 12); SweptRD_Maturity = Month across 7 operating points (current input highlighted).
0 USD/mo 4.9k USD/mo 9.8k USD/mo 2.2k 360.0k 3.3k 540.0k 4.4k 720.0k 5.5k 900.0k 6.7k 1.08M 7.8k 1.26M 8.9k 1.44M
Graph 3 • Joint Sensitivity: Pomis Deposit Amount × Pomis Annual Rate Pct Compares Monthly POMIS Interest Payout when Pomis Annual Rate Pct is shifted +25% (solid) vs. −25% (dashed).
0 USD/mo 5.0k USD/mo 9.9k USD/mo --- Pomis Annual Rate Pct @ 75% 4.9k -30% 5.9k -15% 6.9k +0% 8.0k +15% 9.0k +30%
Summary: A USD 900,000.00 POMIS deposit pays USD 5,550.00/month; sweeping those payouts into a 6.7% 5-year RD grows the interest to USD 394,270.00 (7.54% effective CAGR).
Summary: A USD 900,000.00 POMIS deposit pays USD 5,550.00/month; sweeping those payouts into a 6.7% 5-year RD grows the interest to USD 394,270.00 (7.54% effective CAGR).
⚡ Send result to: Income Tax & Paycheck →Compound Interest →Mortgage →
Interactive chart & math engine powered by CalculatorGraph

Formula & Mathematical Methodology: Post Office MIS + RD Yield Formula

MonthlyPayout = Principal × (MISRate% / 12)
SweptRDMaturity = MonthlyPayout × [((1 + rrd)60 − 1) / rrd]
MonthlyPayout = Principal × (MIS_Rate% / 12); SweptRD_Maturity = MonthlyPayout × [((1 + r_rd)^60 − 1) / r_rd]
  • pomisDepositAmount: Pomis Deposit Amount (currency)
  • pomisAnnualRatePct: Pomis Annual Rate Pct (% p.a.)
  • sweepRdAnnualRatePct: Sweep Rd Annual Rate Pct (% p.a.)

Rounding: Currency outputs round to 2 decimal places; effective rates and multiples display to 2 decimal places.

Worked Example: Benchmark Scenario: Post Office MIS + RD Yield

Calculate monthly POMIS income and 5-year POMIS-to-RD sweep effective yield.

  1. Enter your financial, equity compensation, or tax parameters.
  2. Evaluate the governing equation: MonthlyPayout = Principal × (MIS_Rate% / 12); SweptRD_Maturity = MonthlyPayout × [((1 + r_rd)^60 − 1) / r_rd].
  3. Review the primary result, supporting metrics, and 3 interactive SVG charts.
Result: Computes Post Office MIS + RD Yield via MonthlyPayout = Principal × (MIS_Rate% / 12); SweptRD_Maturity = MonthlyPayout × [((1 + r_rd)^60 − 1) / r_rd].

Frequently Asked Questions

How does the Post Office Monthly Income Scheme (POMIS) Payout & RD Reinvestment Yield Calculator calculate results?

It evaluates MonthlyPayout = Principal × (MIS_Rate% / 12); SweptRD_Maturity = MonthlyPayout × [((1 + r_rd)^60 − 1) / r_rd] directly in your browser and updates three custom SVG visualizations in real time.

Can I use Goal Seek to solve backwards for a target amount?

Yes. Click "🎯 Goal Seek" in the results toolbar to solve backwards for any numeric input parameter.

Are my financial and compensation numbers kept private?

Yes. All calculations execute 100% locally in your browser with zero server transmission.

Finance & Investing · India Tax, Banking & Schemes

Post Office Monthly Income Scheme (POMIS) Payout & RD Reinvestment Yield Calculator: inputs, method, and how to read the result

Calculate monthly POMIS income and 5-year POMIS-to-RD sweep effective yield.

Choose inputs for the case you are checking

The defaults are illustrative. Replace them with values for your case and keep the units shown beside each field.

  • Display Currency: Amounts are treated in the selected currency; no foreign-exchange conversion is applied.
  • Pomis Deposit Amount: Lump-sum POMIS deposit (max ₹9L single, ₹15L joint).
  • Pomis Annual Rate Pct: POMIS annual interest rate (% p.a. paid monthly).
  • Sweep Rd Annual Rate Pct: 5-year Recurring Deposit rate if monthly interest is reinvested.

What the calculation includes

With the default values shown, Monthly POMIS Interest Payout is 5,550 USD/mo. The calculation follows Post Office MIS + RD Yield Formula; the formula and variable definitions above show how the inputs combine.

One-input check: With the other defaults held constant, changing Pomis Deposit Amount from 900,000 currency to 990,000 currency changes Monthly POMIS Interest Payout from 5,550 USD/mo to 6,105 USD/mo. This is a comparison inside the calculator's stated model, not a prediction.

Where to use caution

  • Uses published statutory rules, standard compounding conventions, and marginal tax rates entered by the user.
  • For educational and financial planning analysis; consult a CPA or qualified advisor for personalized tax filings.

Scope: Global / US / India / UK / Canada / Australia Statutory Standards Check the assumptions and limitations against your situation before relying on the estimate.

More in Finance & Investing: Income Tax & Take-Home Paycheck Calculator (India New vs. Old Regime), Compound Interest Calculator, Mortgage Calculator.