Atal Pension Yojana Calculator
See the guaranteed pension, nominee corpus and years to contribute under APY.
APY can be joined between 18 and 40.
Guaranteed monthly pension from 60
₹5,000
- Years you contribute
- 35 years (age 25 to 60)
- Pension in a year
- ₹60,000
- Corpus returned to your nominee
- ₹8,50,000
- Saving needed monthly to build that corpus yourself
- ₹368
Under Atal Pension Yojana the pension and the nominee corpus are guaranteed by the Government of India, and your actual monthly contribution is fixed by the PFRDA contribution chart for your joining age — your bank will confirm it when you enrol. The last figure above is only an illustration of what it would cost to build the same corpus on your own at the return you typed.
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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.
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Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.