APY Calculator
Find out how much you need to contribute monthly for a guaranteed pension under the Atal Pension Yojana government scheme.
Monthly Contribution
₹376
Total Contributed
₹1,57,920
Pension at 60
₹5,000
Total Pension
₹12,00,000
Contribution Growth
₹5,000/mo
| Year | Total Contributed |
|---|---|
| 26 | ₹4,512 |
| 27 | ₹9,024 |
| 28 | ₹13,536 |
| 29 | ₹18,048 |
| 30 | ₹22,560 |
| 31 | ₹27,072 |
| 32 | ₹31,584 |
| 33 | ₹36,096 |
| 34 | ₹40,608 |
| 35 | ₹45,120 |
| 36 | ₹49,632 |
| 37 | ₹54,144 |
| 38 | ₹58,656 |
| 39 | ₹63,168 |
| 40 | ₹67,680 |
| 41 | ₹72,192 |
| 42 | ₹76,704 |
| 43 | ₹81,216 |
| 44 | ₹85,728 |
| 45 | ₹90,240 |
| 46 | ₹94,752 |
| 47 | ₹99,264 |
| 48 | ₹1,03,776 |
| 49 | ₹1,08,288 |
| 50 | ₹1,12,800 |
| 51 | ₹1,17,312 |
| 52 | ₹1,21,824 |
| 53 | ₹1,26,336 |
| 54 | ₹1,30,848 |
| 55 | ₹1,35,360 |
| 56 | ₹1,39,872 |
| 57 | ₹1,44,384 |
| 58 | ₹1,48,896 |
| 59 | ₹1,53,408 |
| 60 | ₹1,57,920 |
| Year | Age | Monthly | Cumulative |
|---|---|---|---|
| 1 | 26 | ₹376 | ₹4,512 |
| 2 | 27 | ₹376 | ₹9,024 |
| 3 | 28 | ₹376 | ₹13,536 |
| 4 | 29 | ₹376 | ₹18,048 |
| 5 | 30 | ₹376 | ₹22,560 |
| 6 | 31 | ₹376 | ₹27,072 |
| 7 | 32 | ₹376 | ₹31,584 |
| 8 | 33 | ₹376 | ₹36,096 |
| 9 | 34 | ₹376 | ₹40,608 |
| 10 | 35 | ₹376 | ₹45,120 |
| 11 | 36 | ₹376 | ₹49,632 |
| 12 | 37 | ₹376 | ₹54,144 |
| 13 | 38 | ₹376 | ₹58,656 |
| 14 | 39 | ₹376 | ₹63,168 |
| 15 | 40 | ₹376 | ₹67,680 |
| 16 | 41 | ₹376 | ₹72,192 |
| 17 | 42 | ₹376 | ₹76,704 |
| 18 | 43 | ₹376 | ₹81,216 |
| 19 | 44 | ₹376 | ₹85,728 |
| 20 | 45 | ₹376 | ₹90,240 |
| 21 | 46 | ₹376 | ₹94,752 |
| 22 | 47 | ₹376 | ₹99,264 |
| 23 | 48 | ₹376 | ₹1,03,776 |
| 24 | 49 | ₹376 | ₹1,08,288 |
| 25 | 50 | ₹376 | ₹1,12,800 |
| 26 | 51 | ₹376 | ₹1,17,312 |
| 27 | 52 | ₹376 | ₹1,21,824 |
| 28 | 53 | ₹376 | ₹1,26,336 |
| 29 | 54 | ₹376 | ₹1,30,848 |
| 30 | 55 | ₹376 | ₹1,35,360 |
| 31 | 56 | ₹376 | ₹1,39,872 |
| 32 | 57 | ₹376 | ₹1,44,384 |
| 33 | 58 | ₹376 | ₹1,48,896 |
| 34 | 59 | ₹376 | ₹1,53,408 |
| 35 | 60 | ₹376 | ₹1,57,920 |
What is Atal Pension Yojana?
Atal Pension Yojana (APY) is a government-backed pension scheme targeted at workers in the unorganized sector — self-employed, daily wage workers, and those without formal pension benefits. It guarantees a fixed monthly pension of ₹1,000 to ₹5,000 after the age of 60. The scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA).
APY Pension Slabs
APY offers 5 pension options:
- ₹1,000/month — lowest contribution, suitable for very low income
- ₹2,000/month
- ₹3,000/month
- ₹4,000/month
- ₹5,000/month — highest pension, highest contribution
The earlier you join, the lower your monthly contribution. A 18-year-old pays ₹210/month for ₹5,000 pension, while a 40-year-old pays ₹1,454/month for the same pension.
APY Key Benefits
- Guaranteed pension for life after age 60
- Spouse pension: After the subscriber's death, the spouse receives the same pension amount
- Nominee benefit: After both subscriber and spouse pass away, the nominee receives the accumulated corpus
- Tax benefit: Contributions qualify for deduction under Section 80CCD(1B) up to ₹50,000 (over and above 80C limit)
- Auto-debit from savings account — no manual effort needed
Who Should Invest in APY?
APY is ideal for self-employed individuals, gig workers, daily wage earners, and small business owners who don't have access to EPF or formal pension plans. It provides a simple, predictable retirement income. However, for higher earners who want a larger corpus, NPS (National Pension System) may be a better choice as it allows market-linked growth with no pension cap.