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Atal Pension Yojana Calculator

APY contribution for ₹1,000–₹5,000 pension.

Monthly pension you want after 60

Pay
You pay monthly
₹376
for 35 years, until age 60
Pension from 60
₹5,000/month
Guaranteed for life, then to spouse
Returned to nominee
₹8,50,000
You pay about ₹1,57,920 in total
Full contribution chart (monthly, ₹)
Age10002000300040005000
184284126168210
194692138183228
2050100150198248
2154108162215269
2259117177234292
2364127192254318
2470139208277346
2576151226301376
2682164246327409
2790178268356446
2897194292388485
29106212318423529
30116231347462577
31126252379504630
32138276414551689
33151301451602752
34165330495659824
35181361543722902
36198396594792990
372184356548701087
382404807209571196
3926452879210541318
4029158287311641454

Based on the official APY contribution chart (PFRDA). Quarterly and half-yearly amounts are 3× and 6× the monthly figure.

How to use

  1. 1Set your age when joining (18 to 40).
  2. 2Choose the monthly pension you want after 60.
  3. 3Pick monthly, quarterly or half-yearly payments.
  4. 4See how much to pay and what your nominee gets.

Frequently asked questions

Who can join APY?

Indian citizens aged 18 to 40 with a savings bank account. From October 2022, income-tax payers can't join.

What happens after I turn 60?

You get the chosen pension every month for life. After you, your spouse gets the same pension, and then the nominee receives the corpus (₹1.7 lakh to ₹8.5 lakh).

Is it better to join early?

Yes. At 18 a ₹5,000 pension costs ₹210 a month; at 40 it costs ₹1,454 a month.

Can I change my pension amount later?

Yes, you can increase or decrease it once a year through your bank.

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