Atal Pension Yojana Calculator
Pick your entry age and the pension you want — see your exact monthly contribution, total investment till 60 and the corpus your nominee gets, straight from the official APY chart.
Your APY plan — breakdown
Age 18 · ₹5,000 pensionOpen your Atal Pension Yojana account
We help you enroll, pick the right pension slab and set up auto-debit — no paperwork hassle.
Disclaimer: Contribution figures are taken from the official PFRDA Atal Pension Yojana contribution chart and are indicative. Pension and nominee corpus are guaranteed by the Government of India. Actual amounts depend on regular, timely contribution till age 60.
Atal Pension Yojana — guaranteed pension for life
Atal Pension Yojana (APY) is a Government of India social-security scheme for citizens aged 18 to 40. You contribute a fixed monthly amount till you turn 60, and from age 60 you receive a guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 for life. The same pension continues for your spouse, and the built-up corpus is returned to your nominee.
Official APY monthly contribution chart
This is the official PFRDA contribution table. Find your entry age in the first column and read across to the pension you want — that is your fixed monthly contribution till 60. Your selected row is highlighted.
| Entry age | ₹1,000 | ₹2,000 | ₹3,000 | ₹4,000 | ₹5,000 |
|---|
How your APY plan is worked out
The scheme is chart-based, not formula-based. Your monthly contribution is read directly from the chart above. From there: total years contributing = 60 − entry age; total invested = monthly contribution × 12 × years. The pension and nominee corpus are fixed by the slab you pick.
Key terms explained
Guaranteed pension
The fixed monthly amount you receive from age 60 for life — ₹1,000 to ₹5,000 depending on the slab you choose. It is guaranteed by the Government of India, not market-linked.
Nominee corpus
On the death of both subscriber and spouse, the accumulated pension wealth is returned to the nominee — indicatively ₹1.7L per ₹1,000 of pension (₹8.5L at the ₹5,000 slab).
Section 80CCD(1B)
APY contributions qualify for an income-tax deduction of up to ₹50,000 under Section 80CCD(1B), over and above the ₹1.5L limit of Section 80C.
Auto-debit & co-contribution
Contributions are auto-debited from your bank account monthly, quarterly or half-yearly. Eligible early subscribers received a government co-contribution to boost their savings.
What is the Atal Pension Yojana?
APY is a government-backed pension scheme for workers in the unorganised sector. You contribute monthly until age 60, after which you receive a guaranteed pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 a month for life, and the same pension continues to your spouse.
Who can join APY and until what age?
Any Indian citizen aged 18 to 40 with a savings bank account and an Aadhaar-linked mobile number. Income-tax payers are not eligible to join the scheme.
How is the monthly contribution decided?
By the pension slab you choose and the age at which you join — the earlier you join, the smaller the instalment, because it is paid for more years. This calculator shows the contribution for your age and target pension.
Does APY give a tax deduction?
Yes. Contributions qualify under section 80CCD(1) within the ₹1.5 lakh limit, and the extra ₹50,000 deduction under section 80CCD(1B) is also available. These deductions apply only if you are taxed under the old regime.
What does the spouse or nominee get?
On the subscriber's death the same pension continues to the spouse for life. After both die, the accumulated corpus corresponding to the chosen pension is returned to the nominee.
Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.