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Atal Pension Yojana Calculator (Monthly Contribution Chart)

Calculate your required monthly, quarterly, or half-yearly contribution under the Atal Pension Yojana (APY) by entry age. See sovereign guaranteed pension payouts and nominee return corpus.

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Calculator and results

Joining Atal Pension Yojana at age 25 requires a monthly contribution of ₹376 for 35 years (total investment ₹1,57,920) to guarantee a lifetime pension of ₹5,000/month from age 60, with ₹8,50,000 returned to your nominee.

Atal Pension Yojana Parameters

PFRDA Guaranteed Scheme

Select your age of joining and desired monthly pension to view your auto-debit contribution.

Eligible entry age is between 18 and 40 years. Contributions continue until age 60.

Choose your guaranteed lifetime monthly pension from age 60:

Your APY Benefits Summary

Monthly Contribution

₹376

Auto-debited monthly until age 60

Guaranteed Pension

₹5,000/mo

Paid every month for life from age 60

Years of Contribution:35 Years (420 Months)
Annual Contribution:₹4,512
Total Out-of-Pocket Investment:₹1,57,920
Spouse Guaranteed Pension:₹5,000/month
Corpus Returned to Nominee:₹8,50,000

APY Rules & Guidelines:

• Entry Age: 18 to 40 years; pension starts at 60

• Taxpayers: Ineligible to join new APY accounts since Oct 1, 2022

• Tax Benefit: Eligible under Section 80CCD(1) up to ₹1.5 Lakh

• Sovereign Guarantee: Shortfall funded by Government of India

Saved scenarios stay in this browser only. No sign-up.

Official PFRDA APY Monthly Contribution Schedule

Statutory monthly contribution table according to entry age and guaranteed monthly pension amount.

AgeYears₹1,000/mo₹2,000/mo₹3,000/mo₹4,000/mo₹5,000/mo
18 Yrs42₹42₹84₹126₹168₹210
20 Yrs40₹50₹100₹150₹198₹248
22 Yrs38₹59₹117₹177₹234₹292
24 Yrs36₹70₹139₹208₹277₹346
25 Yrs35₹76₹151₹226₹301₹376
26 Yrs34₹82₹164₹246₹327₹409
28 Yrs32₹97₹194₹292₹388₹485
30 Yrs30₹116₹231₹347₹462₹577
32 Yrs28₹138₹276₹414₹551₹689
34 Yrs26₹165₹330₹495₹659₹824
35 Yrs25₹181₹362₹543₹722₹902
36 Yrs24₹198₹396₹594₹792₹990
38 Yrs22₹240₹480₹720₹957₹1196
40 Yrs20₹291₹582₹873₹1164₹1454

How does the APY Calculator work?

Atal Pension Yojana is a sovereign guaranteed pension scheme administered by PFRDA for all Indian citizens aged 18 to 40 years.

Subscribers choose a fixed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 starting from age 60 until death.

Upon the subscriber's demise, the exact same monthly pension continues to the spouse for life.

After the death of both subscriber and spouse, the entire accumulated pension wealth (ranging from ₹1.7 Lakh to ₹8.5 Lakh) is returned to the nominee.

Income taxpayers are ineligible to join new APY accounts since October 1, 2022.

Worked example from the official chart: joining at 30 for a ₹5,000 monthly pension costs ₹577 a month for 30 years. Joining at 18 costs ₹210 a month for 42 years, and joining at 40, the last age allowed, costs ₹1,454 a month for 20 years. Joining early is far cheaper for the same pension.

APY is designed for people outside formal pension schemes. If you already have EPF or a salaried job, compare the NPS Calculator and PF Calculator. For an overall picture of income after 60, use the Pension Calculator.

APY monthly contribution by joining age and pension amount

Joining age₹1,000 pension₹3,000 pension₹5,000 pension
18₹42₹126₹210
25₹76₹226₹376
30₹116₹347₹577
35₹181₹543₹902
40₹291₹873₹1,454

From the official APY contribution chart. Contributions continue until age 60, when the pension starts. The return corpus to the nominee is ₹1.7 lakh for a ₹1,000 pension and ₹8.5 lakh for ₹5,000.

APY Calculator formula

Monthly Contribution = Fixed PFRDA Age-Based Master Schedule (Entry Age 18 to 40)

Entry Age
= Subscriber age between 18 and 40 years at time of enrolment
Monthly Pension
= Guaranteed sovereign payout (₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000)
Nominee Corpus
= Guaranteed wealth refund: ₹1.7 Lakh (₹1k pension) to ₹8.5 Lakh (₹5k pension)

PFRDA guarantees the minimum pension regardless of market yields; Govt of India funds any shortfall.

APY Calculator: worked example

Subscriber Joining at Age 25 for ₹5,000 Guaranteed Monthly Pension

Entry Age
25 Years
Tenure of Contribution (Upto Age 60)
35 Years (420 Months)
Monthly Auto-Debit Contribution
₹376
Annual Total Contribution
₹4,512
Total Out-of-Pocket Investment
₹1,57,920
Guaranteed Lifetime Monthly Pension
₹5,000
Spouse Lifetime Monthly Pension
₹5,000
Nominee Guaranteed Corpus Refund
₹8,50,000

APY Calculator: frequently asked questions

What is the monthly contribution for ₹5,000 APY pension at age 18?
An 18-year-old subscriber contributes just ₹210 per month for 42 years to secure a guaranteed ₹5,000 monthly pension for life, with ₹8,50,000 returned to the nominee.
What is the monthly contribution for ₹5,000 APY pension at age 40?
A 40-year-old subscriber contributes ₹1,454 per month for 20 years to receive the guaranteed ₹5,000 monthly pension from age 60.
Can income taxpayers enroll in Atal Pension Yojana?
No. Effective October 1, 2022, any citizen who is or has been an income taxpayer under the Income-tax Act is not eligible to join APY.
What happens to the APY corpus after the subscriber dies?
On the death of the subscriber, the full monthly pension continues to the spouse. After the demise of both subscriber and spouse, the predetermined corpus (₹8.5 Lakh for a ₹5k pension) is paid out to the registered nominee.
Can I upgrade or downgrade my APY pension slab?
Yes. Subscribers can increase or decrease their pension amount once in a financial year through their bank or post office branch.
Are contributions to APY eligible for tax deductions?
Yes. APY contributions qualify for tax deduction under Section 80CCD(1) within the overall ₹1.5 Lakh limit of Section 80CCE.
How much do I pay for ₹5,000 APY pension at age 30?
₹577 a month until age 60, according to the official APY contribution chart. For a ₹1,000 pension at the same age it is ₹116 a month.

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Reviewed by Pradipta Ray, MBA (Finance) · Updated