Atal Pension Yojana Calculator
See the guaranteed pension, nominee corpus and years to contribute under APY.
APY is open to ages 18 to 40. Income-tax payers cannot join.
Guaranteed by the Government of India.
Quick examples
Joining at 25 for a ₹5,000 monthly pension from 60.
What each result means
Monthly contribution
What it is: From the official PFRDA chart for your age and pension.
Your value: ₹376
Auto-debited from your bank account.
Years of contribution
What it is: From joining age to 60.
Your value: 35 years
Joining earlier means a smaller monthly amount.
Total you pay
What it is: Monthly contribution × months to 60.
Your value: ₹1,57,920
Your own money.
Corpus to nominee
What it is: Returned after the subscriber and spouse.
Your value: ₹8,50,000
Fixed by the scheme.
Year-by-year breakdown
| Age | Paid this year (₹) | Total paid (₹) |
|---|---|---|
| 26 | ₹4,512 | ₹4,512 |
| 27 | ₹4,512 | ₹9,024 |
| 28 | ₹4,512 | ₹13,536 |
Contributions are monthly from your joining age until 60. Figures assume the monthly debit option.
Showing the first 3 of 35 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
Atal Pension Yojana (APY) gives a guaranteed pension of ₹1,000 to ₹5,000 a month from age 60. Your monthly contribution is fixed by the PFRDA chart based on your joining age and chosen pension. After you, your spouse gets the same pension, and then the nominee receives a fixed corpus.
What your result means
Joining at 18 costs about a seventh of joining at 40 for the same pension, because the money has more years to build up.
Formula
1. Total paid
Symbols
- C
- Monthly contribution from the PFRDA chart (₹)
- A
- Joining age
Why this formula works
The contribution is a fixed chart value, not a formula you compute; the total is simply the sum of all payments.
Unit check
₹ = ₹ × months. ✓
Common mistakes
Using a market return to work out the contribution — APY uses the official chart.
Working for your numbers
- Chart value for age 25, ₹5,000 pension = ₹376
- Total = ₹376 × 12 × 35 = ₹1,57,920
Frequently asked questions
Is the pension really guaranteed?
Yes, the Government of India guarantees the chosen pension amount.
Can I change the pension amount later?
Yes, once a year in April, by paying the difference as per the chart.
Who cannot join?
Since 1 October 2022, people who are or have been income-tax payers cannot join APY.
Does this calculator tell me what to do?
No. It is an educational estimate using published rules. It does not know your full situation. For a personal decision, speak to a qualified tax professional or a SEBI-registered investment adviser.
Symbols and assumptions
- C
- Monthly contribution (₹)
- A
- Joining age
- Monthly payments without gaps (late payment adds a penalty).
- Chart figures as published by PFRDA.
- Figures are in Indian Rupees (₹).
Sources and review
Reviewed 2026-10-05 · Next review 2026-12-31
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How it works
Atal Pension Yojana gives a guaranteed pension of ₹1,000 to ₹5,000 a month from the age of 60, with a fixed corpus returned to the nominee. You may join between 18 and 40, and your monthly contribution is fixed by the PFRDA chart for your joining age.
The formula
Years of contribution = 60 − joining age · Nominee corpus = 170 × monthly pension- Joining age
- Your age when the account opens (18 to 40)
- Pension
- Monthly pension slab chosen: ₹1,000 to ₹5,000
Worked example
Joining at 25 for a ₹5,000 pension means 35 years of contribution and ₹8.5 lakh returned to the nominee.
Pro tips
- The earlier you join, the smaller the monthly contribution for the same pension.
- Keep the linked bank account funded, contributions are auto-debited.
Common mistakes
- Believing the pension grows with inflation, the slab is fixed.
- Joining after 40, which the scheme does not allow.
Go deeper
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Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.