Atal Pension Yojana Calculator

Calculate the exact monthly contribution required under the Atal Pension Yojana (APY) to receive your desired guaranteed monthly pension from age 60, based on the official PFRDA chart.

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Source: Pension Fund Regulatory and Development Authority (PFRDA)
Last updated: 24-09-2026

This calculator looks up your exact monthly APY contribution from the official PFRDA chart based on your current age and desired guaranteed monthly pension.

Your current age *

APY enrollment is open to citizens aged 18 to 40.

Desired monthly pension (from age 60) *

Your result

₹226

Your monthly contribution

Years you will contribute35 years

Total contribution till age 60₹94,920

Approx. corpus returned to nominee on death₹5,10,000

AI explanation

Formula

Monthly contribution is looked up from the official PFRDA age-wise contribution chart for the selected pension amount

Worked example

Age 30, desired pension ₹5,000/month

Worked example: Age 30, desired pension ₹5,000/month
Field	Value
Your current age	30
Desired monthly pension (from age 60)	5000
Your monthly contribution	₹577
Years you will contribute	30
Total contribution till age 60	₹2,07,720

Assumptions and limitations

This calculator assumes

Uses the official PFRDA age-wise monthly contribution chart, stable since the scheme's 2015-16 launch.
Assumes monthly contribution frequency (quarterly and half-yearly options multiply the monthly figure by 3 or 6 respectively, per PFRDA rules).
The approximate nominee corpus scales linearly with the chosen pension (₹1.7 lakh at ₹1,000/month pension up to ₹8.5 lakh at ₹5,000/month), per the PFRDA-published range.

What it does not account for

Does not check eligibility; the income-tax payer exclusion and other scheme conditions decide whether you can join.
Assumes contributions continue every month until age 60 without default.

Frequently asked questions

Who is eligible for Atal Pension Yojana?

Indian citizens aged 18-40 with a savings bank account can enroll, except that since 1 October 2022 anyone who is or has been an income-tax payer is not eligible to join, per PFRDA. It is primarily aimed at workers in the unorganised sector who lack a formal pension scheme.

What happens if I join at a younger age?

Joining earlier means a much lower monthly contribution for the same guaranteed pension, since you contribute over more years and your money compounds for longer.

Is the pension amount guaranteed?

Yes — APY offers a government-guaranteed minimum pension at the level you choose, funded through your contributions plus a government guarantee if scheme returns fall short.

Related calculators

Sources

Official sources

Atal Pension Yojana — subscriber information brochure (eligibility, pension options, income-tax payer exclusion from 1 October 2022) — Pension Fund Regulatory and Development Authority (PFRDA). Effective 01-10-2022, checked 24-09-2026.