Atal Pension Yojana (APY) Calculator
Monthly APY contribution for a guaranteed pension of ₹1,000 to ₹5,000 from age 60, from the official chart, with total contribution and the corpus returned to your nominee.
About Atal Pension Yojana (APY) Calculator
This free APY calculator shows the monthly contribution for Atal Pension Yojana from the official PFRDA chart. Enter your age at joining, from 18 to 40, and choose a guaranteed pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 a month from age 60.
It shows how many years you pay, the total you contribute and the corpus returned to your nominee after you and your spouse, and how much more it costs to join a year later. The full chart for all ages is included. It runs in your browser.
How to use Atal Pension Yojana (APY) Calculator
- Enter your age when you join (18 to 40).
- Choose the monthly pension you want at 60.
- Read the monthly contribution from the official chart, the years you pay and the total you put in.
- See the corpus your nominee receives after you and your spouse.
Frequently asked questions
Who can join APY?
Any Indian citizen aged 18 to 40 with a savings bank or post office savings account. Since 1 October 2022, anyone who is or has been an income-tax payer cannot join.
How much do I have to pay?
It depends on your age at joining and the pension chosen. At 18, ₹42 a month gives ₹1,000 and ₹210 gives ₹5,000; at 40 the same pensions cost ₹291 and ₹1,454 a month. You pay until 60.
What happens after the subscriber dies?
The same pension is paid to the spouse for life. After both, the accumulated corpus — about ₹1.7 lakh for ₹1,000 pension up to ₹8.5 lakh for ₹5,000 — goes to the nominee.
Can I pay quarterly or half-yearly?
Yes. Quarterly and half-yearly amounts are prescribed separately and are slightly less than 3 or 6 times the monthly amount; ask your bank for the exact figure. This calculator shows the monthly chart.
How much do I pay in APY for ₹5,000 pension?
From ₹210 a month if you join at 18, ₹376 at 25, ₹577 at 30 and ₹1,454 at 40, paid until you turn 60.
Can income tax payers join APY?
No. From 1 October 2022, people who are or have been income tax payers cannot join Atal Pension Yojana.
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