APY (Atal Pension Yojana) Calculator

Guaranteed government pension for citizens and workers in the unorganized sector.

Entry Age (18 - 40 Years)

Age limit for APY entry is 18 to 40 years.

Desired Monthly Pension

Guaranteed Benefit

Upon reaching 60, you receive exactly ₹5,000 every month for life. This is backed by the Govt of India.

Monthly Contribution

₹376

Invest until Age 60 (35 years)

Total Savings

₹1,57,920

Guaranteed Pension

₹5,000

DISCLAIMER: These calculations are for illustrative purposes only and do not constitute professional financial advice. Actual returns or terms may vary based on market conditions or institution policies.

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Using the Atal Pension Yojana (APY) Calculator

Our online APY calculator helps you estimate the pension you'll receive after age 60. Atal Pension Yojana is a government-backed scheme designed to provide financial security to workers in the unorganized sector in India.

Latest RBI Rates

Updated Dec 2025 | FY 2025-26 Compliant

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Key Features

•Calculates monthly contributions based on your entry age
•Presents 5 fixed pension levels: ₹1,000, ₹2,000, ₹3,000, ₹4,000, and ₹5,000
•Clearly shows the total amount you will invest over the years
•Explains the sovereign guarantee provided by the Government of India
•Easy comparison of how delaying your entry increases your costs
•Mobile-optimized interface for quick calculations

How to calculate Atal Pension Yojana (APY) Calculator

Step-by-step Guide & Informational Intent

1.Select your current 'Age' (entry age must be between 18 and 40).
2.Choose your desired 'Monthly Pension' amount (₹1,000 to ₹5,000).
3.The calculator will instantly show your required monthly contribution.
4.View the total corpus accumulated and the period for which you need to pay.
5.Check or note down your contribution chart.

How the Calculation Works

APY contributions are fixed by the PFRDA based on entry age and target pension. The earlier you join, the lower your monthly liability. Contributions are auto-debited from your bank account.

Important Assumptions

• Subscriber is an Indian citizen aged 18-40
• Subscriber has a valid savings bank account
• Subscriber is not an income taxpayer (as per new rules)
• Continues contribution until age 60

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APY Contribution Examples

Enter at 18: To get a ₹5,000 pension, you only pay ~₹210 per month for 42 years.

Enter at 30: For the same ₹5,000 pension, your monthly contribution rises to ~₹577.

Enter at 40: At the age limit, the contribution for a ₹5,000 pension is ~₹1,454 monthly.

Spouse Benefit: Remember that in case of death, the pension continues for the spouse automatically.

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Atal Pension Yojana (APY) Calculator FAQs

APY is a government-backed pension scheme in India primarily targeted at the unorganized sector. It provides a guaranteed minimum monthly pension ranging from ₹1,000 to ₹5,000 after the age of 60, based on your contributions.

Any Indian citizen between the ages of 18 and 40 with a valid bank account can join. However, as per recent rules, individuals who are income taxpayers are not eligible to join the scheme.

The monthly contribution depends on your age at entry and the pension amount you choose. The earlier you start (e.g., at age 18), the lower your monthly contribution will be for the same pension amount.

The government originally co-contributed 50% of the total contribution (up to ₹1,000 per year) for a specific period for eligible members. While that specific window has closed for new users, the primary benefit remains the sovereign guarantee of the pension amount.

Voluntary exit before age 60 is allowed, but you will only receive your own contributions plus the interest earned. The government co-contribution and its interest will not be paid out in case of voluntary premature exit.

In case of the subscriber's death, the spouse can continue the account until the original subscriber would have turned 60. Alternatively, the spouse/nominee will receive the accumulated corpus.