Atal Pension Yojana Calculator
Calculate your monthly APY contributions and guaranteed pension benefits under the government scheme
Calculate Your APY Contribution
Age must be between 18-40 years for APY eligibility
Choose pension amount you want to receive after age 60
How often you want to make contributions to APY
APY Calculation Results
Contribution Summary
Pension Benefits
Scheme: Atal Pension Yojana (APY)
Government Guarantee: Yes, pension guaranteed by GoI
Tax Benefits: Eligible under 80CCD
Entry Age: 25 years
Maturity Age: 60 years
ROI: Returns guaranteed by government
APY Key Benefits
Example APY Calculation
25-Year Old Example
Current Age: 25 years
Desired Pension: ₹3,000 per month
Contribution Period: 35 years (25 to 60 years)
Monthly Contribution: ₹226
Calculation Breakdown
Total Contributions: ₹226 × 12 × 35 = ₹94,920
Monthly Pension from 60: ₹3,000 for life
Annual Pension: ₹36,000
Break-even Period: ~2.6 years after retirement
20-year total pension: ₹7,20,000
APY Contribution Chart
| Age | ₹1K | ₹2K | ₹3K | ₹4K | ₹5K |
|---|---|---|---|---|---|
| 18 | ₹42 | ₹84 | ₹126 | ₹168 | ₹210 |
| 20 | ₹50 | ₹100 | ₹150 | ₹198 | ₹248 |
| 25 | ₹76 | ₹151 | ₹226 | ₹301 | ₹376 |
| 30 | ₹116 | ₹231 | ₹347 | ₹462 | ₹577 |
| 35 | ₹181 | ₹362 | ₹543 | ₹722 | ₹902 |
| 40 | ₹291 | ₹582 | ₹873 | ₹1164 | ₹1454 |
Monthly contribution amounts for different pension slabs
APY Eligibility
Age between 18-40 years
Indian citizen with valid Aadhaar
Savings bank account
Mobile number for SMS alerts
Auto-debit facility required
Important Notes
Pension guaranteed by Government of India
Government co-contribution for eligible subscribers
Managed by PFRDA (Pension Fund Regulatory Authority)
Premature exit not allowed except in exceptional cases
This is an estimate - consult financial advisor
Understanding Atal Pension Yojana (APY)
What is Atal Pension Yojana?
Atal Pension Yojana (APY) is a government-backed pension scheme launched in 2015 for the unorganized sector. It provides guaranteed minimum pension of ₹1,000 to ₹5,000 per month after age 60, with the pension amount guaranteed by the Government of India.
Key Features
- •Government Guarantee: Minimum pension guaranteed by GoI
- •Tax Benefits: Contributions eligible for tax deduction under 80CCD
- •Co-contribution: Government contributes up to ₹1,000 annually for eligible subscribers
- •Death Benefits: Spouse gets pension; nominee gets corpus
How APY Works
1. Join: Age 18-40 years
2. Contribute: Monthly/quarterly/half-yearly/yearly
3. Accumulate: Funds grow until age 60
4. Receive: Monthly pension for life
5. Death Benefits: Spouse pension or corpus to nominee
Government Co-contribution
If you're not covered by any statutory social security scheme and not an income taxpayer, the Government will co-contribute 50% of your contribution or ₹1,000 per annum, whichever is lower, for the first 5 years of contribution.
Note: Early exit before age 60 is not permitted except in cases of terminal illness or death.