Atal Pension Yojana (APY) Calculator

How it works

An Atal Pension Yojana calculator tells you the fixed monthly contribution you must pay, and the total you will contribute up to age 60, for your chosen pension. Unlike most investment tools, APY contributions are not computed from a growth formula — they come straight from an official PFRDA contribution chart. You pick your entry age (18 to 40) and your desired monthly pension (₹1,000 to ₹5,000), and the tool reads the exact chart value and works out the total.

Atal Pension Yojana is a government-backed pension scheme aimed at workers in India’s unorganised sector. You contribute a small fixed amount each month until 60, after which you receive a guaranteed lifelong pension. This tool is part of our finance calculators and produces an estimate for planning, not an account statement.

Disclaimer: Estimate based on India’s 2024 Atal Pension Yojana rules and the official PFRDA contribution chart. Contribution amounts and scheme terms change — always verify the current official figures with PFRDA or your APY bank/NPS service provider. This is for general guidance, not financial or tax advice.

The Atal Pension Yojana Rules (2024)

APY is built around three fixed rules:

1. Eligibility window of 18 to 40. You must be an Indian citizen aged 18–40 with a savings bank or post-office account to enrol.
2. Five guaranteed pension levels. You choose a monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 payable from age 60.
3. A fixed contribution chart. Your monthly contribution is set by entry age and chosen pension and does not change for the life of the plan. Contributions are made by auto-debit until you turn 60.

Here is the embedded official APY monthly contribution chart (₹ per month), showing every entry age and pension level the calculator reads from:

Entry age	₹1,000	₹2,000	₹3,000	₹4,000	₹5,000
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	1,164	1,454

The calculator holds the value for every age from 18 to 40, not just the rows shown above.

Worked Example

Suppose you join at entry age 25 and want a ₹3,000 monthly pension. From the chart, your fixed monthly contribution is ₹226. Contributions run until age 60:

• Years to age 60 = 60 − 25 = 35 years
• Months of contribution = 35 × 12 = 420 months
• Total contributed = ₹226 × 420 = ₹94,920

In return, from age 60 you receive ₹3,000 a month for life, then your spouse, and finally the accumulated corpus goes to your nominee.

Now compare a late joiner. At entry age 40 choosing the top ₹5,000 pension, the chart value is ₹1,454 a month:

• Years to age 60 = 20 years → 240 months
• Total contributed = ₹1,454 × 240 = ₹348,960

Why starting early is cheaper

Because contributions stop at 60, joining earlier spreads the cost over more years and shrinks each instalment. The table below shows the monthly contribution and lifetime total for a ₹5,000 pension at different entry ages:

Entry age	Monthly contribution	Months to 60	Total contributed
18	₹210	504	₹105,840
25	₹376	420	₹157,920
30	₹577	360	₹207,720
40	₹1,454	240	₹348,960

An 18-year-old pays ₹210 a month and contributes about ₹1.06 lakh in total, while a 40-year-old pays nearly seven times as much per month and over ₹3.48 lakh in total — for the same ₹5,000 pension. Joining young is the single biggest lever on cost.

Notes, limits and accuracy

This calculator returns the chart contribution and total contributed — the amount you pay in. It does not project the corpus APY builds or the government co-contribution that some early subscribers received, and it assumes you contribute on time every month until 60 (late or missed instalments attract small overdue charges). The contribution amounts are the official monthly figures; quarterly and half-yearly modes scale these up proportionally. Always confirm current figures with PFRDA or your bank before enrolling.

For other long-term planning, see the SIP calculator to model market-linked monthly investing, or browse all finance calculators.