Atal Pension Yojana Calculator
Find your monthly Atal Pension Yojana contribution for a guaranteed lifelong pension. Enter your age and the pension you want from age 60.
You can join the Atal Pension Yojana between ages 18 and 40.
Desired Monthly Pension
The pension is paid for life from age 60, and continues to your spouse after you.
Monthly Contribution
₹376
Guaranteed Monthly Pension
₹5,000
From age 60, for life
Years of Contribution
35 years
Until age 60
Total You Will Contribute
₹1.58 L
Corpus to Nominee
₹8.50 L
Returned after both spouses
APY contribution amounts are fixed by the official government chart based on your entry age and chosen pension. The pension and the return of corpus to the nominee are guaranteed by the Government of India.
What is Atal Pension Yojana?
The Atal Pension Yojana (APY) is a guaranteed pension scheme from the Government of India aimed at unorganised-sector workers. You contribute a fixed monthly amount until age 60, and from then on receive a guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 - whichever you opted for. The younger you start, the lower the monthly contribution for the same pension. The scheme guarantees the pension whatever happens to market returns. APY is open to citizens between 18 and 40 who are not in the income-tax net.
How to use the Atal Pension Yojana Calculator
- Enter your current age. Eligible age range: 18 to 40 years.
- Choose your desired monthly pension. ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000.
- Read the monthly contribution. The calculator shows exactly what you must contribute monthly until age 60.
- Review total contributions and lifetime pension. See the lifetime corpus you'll receive across your retirement years.
- Plan your enrolment. Open an APY account at any bank - it can be auto-debited from your savings account.
Why APY suits low and middle income earners
- Guaranteed pension by the Government of India. No market risk on the payout.
- Small monthly contributions. ₹42-₹291 a month from age 18 for ₹1,000-₹5,000 pension.
- Spouse continues the pension. After your death, the spouse receives the same pension.
- Corpus returned to nominee. On death of both, the accumulated corpus goes to the nominee.
- Tax deduction. Section 80CCD(1) and 80CCD(1B) apply.
Monthly contribution for a ₹5,000 pension at age 60
| Start age | Monthly contribution |
|---|---|
| 18 | ₹210 |
| 25 | ₹376 |
| 30 | ₹577 |
| 35 | ₹902 |
| 40 | ₹1,454 |
Indicative as per APY contribution charts. Use the calculator above for the exact contribution for your age and target pension.