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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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	207720

Assumptions

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.

Frequently asked questions

Who is eligible for Atal Pension Yojana?

Any Indian citizen aged 18-40 with a bank account can enroll. 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

Atal Pension Yojana — official scheme details and contribution chart — Pension Fund Regulatory and Development Authority (PFRDA). Effective 01-06-2015, reviewed 12-09-2026.

Contribution amounts shown are from the official PFRDA chart as of the review date below. APY rules, contribution amounts, and guarantees are set by PFRDA/the Government of India and are subject to change — verify current figures on the official APY portal before enrolling.

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