Atal Pension Yojana (APY) Calculator
This atal pension yojana calculator works out the exact monthly contribution required to lock in a guaranteed pension of ₹1,000 to ₹5,000 a month for life, starting at age 60. Atal Pension Yojana (APY) is a government-backed pension scheme for India's unorganized-sector workers, where the contribution isn't computed from a formula — it comes straight from an official PFRDA table based on your age and chosen pension slab. Enter your current age and desired pension to see your required contribution, total amount paid in, and the guaranteed payout.
APY is open to Indian citizens aged 18 to 40 — the younger you join, the lower your required monthly contribution for the same pension.
The guaranteed monthly pension you'll receive from age 60 onward, for life.
Required monthly contribution
सेव करने के लिए लॉग इन करें₹577
Fixed by the official PFRDA age/slab table, not a formula — this is what you'll pay every month until you turn 60.
Fixed and guaranteed by the government for life, regardless of how markets perform.
Frequently asked questions
What happens if I miss a monthly APY contribution?+
A small penalty is added to your account for each missed month, deducted from your balance along with your next contribution. If contributions stay unpaid for an extended period the account is frozen, and if it remains unpaid even longer it is eventually closed, with your accumulated corpus (minus penalties) paid back to you rather than continuing toward the guaranteed pension.
How is APY different from NPS?+
APY guarantees a fixed pension amount set by the government, funded by a fixed monthly contribution from the official PFRDA table — your payout doesn't change with market performance. NPS, by contrast, is market-linked: your eventual corpus and pension depend on how your chosen equity/debt allocation performs over the years, so there's no guaranteed amount. APY is also targeted at unorganized-sector workers and capped at a ₹5,000 monthly pension, while NPS has no such cap.
What happens to my APY account if I die before turning 60?+
Your spouse has the option to continue the account, keeping up the same monthly contributions to receive the same guaranteed pension you had signed up for once the account reaches maturity, and then continue receiving that pension for their own lifetime after. Alternatively, the spouse (or nominee, if there's no spouse) can choose to exit the scheme and claim the accumulated corpus as a lump sum instead of continuing toward the pension.