APY Calculator IN
Find your Atal Pension Yojana (APY) monthly contribution for a guaranteed pension of ₹1,000 to ₹5,000 from age 60.
Rates shown are current as of FY 2025-26; figures are estimates. Confirm details with the scheme provider.
How it works
Enter your current age (18 to 40) and the monthly pension you want. The calculator looks up the official APY contribution chart to show your monthly, quarterly and half-yearly contribution, the years you will contribute and the corpus your nominee would receive.
Frequently asked questions
How much pension can I get from APY?
A fixed ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 a month from age 60, depending on the plan you choose.
How is my contribution decided?
By your chosen pension amount and your age at joining — joining younger means smaller monthly contributions for the same pension.
What is the age limit to join APY?
You must be between 18 and 40 years old and have a savings bank or post-office account.
What happens after the subscriber dies?
The spouse receives the same pension for life, and the accumulated corpus goes to the nominee after that.
Can income-tax payers join APY?
No. Since 1 October 2022, people who are or have been income-tax payers are not eligible to enrol.
How are contributions paid?
Through auto-debit from your linked bank or post-office account, monthly, quarterly or half-yearly.
Atal Pension Yojana (APY) Calculator
The Atal Pension Yojana is a government-guaranteed pension scheme aimed at workers in the unorganised sector. You contribute regularly until age 60 and then receive a fixed monthly pension for life.
Guaranteed pension
You choose a pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 a month, payable from age 60. The required contribution depends on your chosen pension and your age when you join — the earlier you start, the lower the contribution.
Who can join
Indian citizens aged 18–40 with a bank or post-office account. Since 1 October 2022, anyone who is or has been an income-tax payer is not eligible to enrol.
After the subscriber
On the subscriber’s death the same pension continues to the spouse, and the accumulated corpus is returned to the nominee thereafter.
Scheme rates and limits are revised periodically by the authorities; confirm the current figures on the official portal before investing.
Results are estimates for general guidance in India and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.