Retirement

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Atal Pension Yojana Calculator

Find the exact monthly contribution for your chosen guaranteed pension under APY, using PFRDA's own age-wise table. Adjust any input below and your results update instantly.

Your details

Adjust the inputs below and your results update instantly.

Pension slab

The guaranteed monthly pension you want from age 60 onward.

e.g. ₹5,000/month, the maximum slab

Your age today (years)*

APY only accepts new entrants between 18 and 40 years old.

1840

e.g. 30 years old

These are example numbers. Edit any input on the left to see your own.

Your monthly APY contribution

₹577

for 30 years, until age 60

Total you'll contribute

₹2.08 L

Indicative nominee corpus

₹8.50 L

Compare pension slabs at your age

The same table row, every slab — see what each guaranteed pension amount actually costs.

₹1,000/mo pension

From age 30

₹116/mo

Monthly contribution

—

₹2,000/mo pension

From age 30

₹231/mo

Monthly contribution

—

₹3,000/mo pension

From age 30

₹347/mo

Monthly contribution

—

₹4,000/mo pension

From age 30

₹462/mo

Monthly contribution

—

₹5,000/mo pension

From age 30

₹577/mo

Monthly contribution

Selected

Worked example, using your numbers

A step-by-step walkthrough of how your age and slab become a contribution.

Step 1 · Look up your row

At age 30, you have this many years left until 60

30 yrs

Step 2 · Look up your column

For a ₹5,000/mo pension, PFRDA's table sets your contribution at

₹577/mo

Step 3 · Total contributed

Across the full 30-year window, that adds up to

₹2.08 L

✓

Contributing ₹577/mo from age 30 guarantees a ₹5,000/month pension for life, starting at 60.

Personalised insights

What your numbers reveal, and what changing them would do.

₹577/month secures a ₹5,000 guaranteed pension

Starting at age 30, you'll contribute for 30 years until you turn 60.

₹2.08 L total, paid in over 30 years

That's the sum of every fixed monthly contribution between now and age 60 — the amount itself never changes.

Joining at 30 instead of 18 costs 2.7x more per month

The same ₹5,000 pension costs ₹210/mo at age 18 versus ₹577/mo at 30 — ₹367 more every month, for the same guaranteed payout.

₹8,50,000 indicative corpus for your nominee

If both you and your spouse pass away after your pension starts, this is the accumulated corpus PFRDA indicates would go to your nominee as a one-time payout.

How this is calculated

Every step of the math behind your result, shown in the open.

Looking up your monthly contribution

Age = your entry age, Slab = your chosen pension amount, C = monthly contribution

Unlike a compounding calculator, C isn't derived from a rate assumption — it's read directly off PFRDA's published age-and-slab contribution table.

Example: Age 30, ₹5,000 slab → ₹577/mo (table lookup)

Total you'll contribute by age 60

C = monthly contribution, n = years remaining until age 60

Your fixed monthly contribution, paid every month for the years remaining until you turn 60.

Example: ₹577 × 12 × 30 years → ₹2.08 L total

Assumptions

The contribution table is fixed by PFRDA and hasn't changed since APY launched in 2015 — it isn't derived from a return assumption.
Assumes continuous monthly contribution with no missed payments between entry age and 60.
The indicative nominee corpus figure is PFRDA's own published estimate, not a guaranteed amount.
Figures are indicative; confirm exact amounts with your bank or the APY portal before enrolling.
PFRDA's contribution table last verified August 2026.

Understanding APY

The concept, the motivation, and what to watch out for.

A fixed government-guaranteed pension, not a market-linked corpus

Atal Pension Yojana (APY) works nothing like NPS or EPF: instead of building a corpus that depends on investment returns, you pick a guaranteed monthly pension (₹1,000 to ₹5,000) and pay a fixed contribution set by your age at entry, published in a PFRDA table — not calculated from a return assumption.

This Atal Pension Yojana calculator looks up your exact contribution from that official table, based on your age and chosen pension amount, and shows what you'll pay in total by the time you turn 60.

Contribution is a lookup, not a formula

Unlike every other retirement calculator here, APY's monthly amount isn't computed from a return rate — it's a fixed number PFRDA has published for every age from 18 to 40, unchanged since the scheme launched in 2015.

The pension is guaranteed, by the government

If the underlying corpus underperforms, the Central Government funds the shortfall so your chosen pension amount is still paid in full — the trade-off for a much lower ceiling than a market-linked account.

How this Atal Pension calculator helps

Enter your age and pick a pension slab. Your exact monthly contribution, total paid in by 60, and the indicative corpus available to your nominee update instantly.

Did you know?

A few facts behind Atal Pension Yojana.

20yr

Minimum 20 years of contribution, always

Whether you join at 18 (42 years to go) or 40 (20 years to go), APY requires at least 20 years of contribution — which is exactly why 40 is the maximum entry age.

Only five pension amounts exist

You can't choose a custom pension figure — APY offers exactly five fixed slabs: ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 a month.

₹

Joining later costs far more per rupee of pension

A ₹5,000 pension costs ₹210/month at age 18 but ₹1,454/month at age 40 — nearly 7x more, purely from having 22 fewer years to build toward the same guaranteed amount.

80CCD

Shares its tax limit with NPS

APY contributions fall under the same Section 80CCD(1) umbrella as NPS Tier 1 — inside the overall ₹1.5 lakh 80C limit, not a separate deduction bucket.

Frequently asked questions

Straight answers to the questions we hear most about APY.

What is Atal Pension Yojana?

APY is a government-backed pension scheme for Indian citizens aged 18-40. You pick a guaranteed monthly pension (₹1,000 to ₹5,000) starting at age 60, and pay a fixed monthly contribution — set by your entry age, not by you — until then.

Is this the same as an Atal Pension calculator or an APY calculator?

Yes — "Atal Pension Yojana calculator," "Atal Pension calculator," and "APY calculator" all mean the same tool here: finding your exact monthly contribution for a chosen guaranteed pension slab.

Who is eligible to join APY?

Any Indian citizen aged 18-40 with a bank account and Aadhaar linked to it. NRIs, OCIs, and PIOs are not eligible. You need at least 20 years of contribution, so joining after 40 isn't allowed since that would leave less than 20 years to age 60.

What happens to my pension after I die?

Your spouse receives the same monthly pension amount for their lifetime. After both you and your spouse have died, your nominee receives the indicative accumulated corpus shown above as a one-time payout.

Does the government still add extra money to my contributions?

No, not anymore. A government co-contribution (50% of your contribution, or ₹1,000/year, whichever was lower) applied only to accounts opened between 1 June 2015 and 31 March 2016 that met specific conditions. New subscribers today receive no co-contribution — only the guaranteed minimum pension itself.

What if I withdraw before turning 60?

Premature exit is allowed only in exceptional circumstances (terminal illness or death) and returns your own contributions plus the actual interest earned — not the guaranteed pension, and not the co-contribution if you ever received one. It isn't a flexible withdraw-anytime account.

Is APY eligible for tax deduction?

Yes, contributions qualify for deduction under Section 80CCD(1), within the overall ₹1.5 lakh Section 80C/80CCD(1) combined limit — not an additional deduction on top of it.

Is this financial advice?

No. This tool provides indicative estimates based on PFRDA's published contribution table. Confirm exact figures with your bank or the APY portal before enrolling.