Atal Pension Yojana Calculator
See how much you pay every month for a guaranteed pension of ₹1,000 to ₹5,000 from age 60.
Based on the indicative PFRDA contribution chart. Quarterly and half-yearly amounts are shown as 3 and 6 months of the monthly amount; the official figures are slightly lower. Your bank confirms the exact amount at enrolment. The spouse gets the same pension after the subscriber; the nominee amount is paid after both.
Want help joining Atal Pension Yojana?
We check your eligibility, fill the APY form correctly and guide you through enrolment with your bank.
How the Atal Pension Yojana calculator works
Atal Pension Yojana (APY) pays a guaranteed monthly pension from age 60. Your monthly contribution depends on two things: the age at which you join (18 to 40) and the pension you choose (₹1,000 to ₹5,000). The calculator uses the PFRDA contribution chart to show what you pay every month, quarterly or half-yearly, and how much reaches your nominee.
Who can join?
Indian citizens aged 18 to 40 with a savings bank or post office account. Since 1 October 2022, people who are or have been income-tax payers cannot join APY.
Tip: join early
Joining at 18 costs ₹42 a month for a ₹1,000 pension; joining at 40 costs ₹291 for the same pension. The earlier you start, the less you pay each month.
Frequently asked questions
How much do I pay in Atal Pension Yojana?
It depends on your joining age and the pension you choose. At 18 you pay ₹42 a month for a ₹1,000 pension and ₹210 for ₹5,000; at 40 it is ₹291 and ₹1,454.
Who can join Atal Pension Yojana?
Indian citizens aged 18 to 40 with a savings bank or post office account. Since 1 October 2022, people who are or have been income-tax payers cannot join.
What does the nominee get under APY?
After the subscriber and the spouse, the nominee receives about ₹1.7 lakh to ₹8.5 lakh, depending on the pension level chosen.