Atal Pension Yojana Calculator 2026

Calculate monthly premium contributions to secure guaranteed lifetime monthly pension of ₹1,000 to ₹5,000 at age 60

Current Joining Age (18–39 Years)

Yrs

18 Yr40 Yrs

Desired Monthly Guaranteed Pension

Contribution Frequency

Contribution Window: You will contribute for 35 years (from age 25 till age 60).

Pension payouts start automatically from month 1 after you turn 60 years old.

Guaranteed Monthly Pension (from Age 60)

₹5,000 / mo

Lifetime guaranteed pension paid out monthly by the Government of India.

Required monthly Contribution₹376

Total Investment (35 Yrs)₹1.58 L

APY Payout & Nominee Security Summary

Subscriber Pension₹5,000/month for life

Spouse PensionSame ₹5,000/month upon death

Corpus Return to Nominee₹8.50 L lump sum

Govt Guarantee100% Backed by PFRDA

Contribution Schedule (35 Years)

Year	Age	Annual Contribution	Cumulative Total Contributed
Year 1	26 yrs	₹4,512	₹4,512
Year 2	27 yrs	₹4,512	₹9,024
Year 3	28 yrs	₹4,512	₹13,536
Year 4	29 yrs	₹4,512	₹18,048
Year 5	30 yrs	₹4,512	₹22,560
Year 6	31 yrs	₹4,512	₹27,072
Year 7	32 yrs	₹4,512	₹31,584
Year 8	33 yrs	₹4,512	₹36,096
Year 9	34 yrs	₹4,512	₹40,608
Year 10	35 yrs	₹4,512	₹45,120
Year 11	36 yrs	₹4,512	₹49,632
Year 12	37 yrs	₹4,512	₹54,144
Year 13	38 yrs	₹4,512	₹58,656
Year 14	39 yrs	₹4,512	₹63,168
Year 15	40 yrs	₹4,512	₹67,680
Year 16	41 yrs	₹4,512	₹72,192
Year 17	42 yrs	₹4,512	₹76,704
Year 18	43 yrs	₹4,512	₹81,216
Year 19	44 yrs	₹4,512	₹85,728
Year 20	45 yrs	₹4,512	₹90,240
Year 21	46 yrs	₹4,512	₹94,752
Year 22	47 yrs	₹4,512	₹99,264
Year 23	48 yrs	₹4,512	₹1.04 L
Year 24	49 yrs	₹4,512	₹1.08 L
Year 25	50 yrs	₹4,512	₹1.13 L
Year 26	51 yrs	₹4,512	₹1.17 L
Year 27	52 yrs	₹4,512	₹1.22 L
Year 28	53 yrs	₹4,512	₹1.26 L
Year 29	54 yrs	₹4,512	₹1.31 L
Year 30	55 yrs	₹4,512	₹1.35 L
Year 31	56 yrs	₹4,512	₹1.40 L
Year 32	57 yrs	₹4,512	₹1.44 L
Year 33	58 yrs	₹4,512	₹1.49 L
Year 34	59 yrs	₹4,512	₹1.53 L
Year 35	60 yrs	₹4,512	₹1.58 L

Total Contributed vs Nominee Corpus

Shows your total contribution accumulated over 35 years compared to the guaranteed indicative corpus returned to your nominee upon subscriber & spouse passing.

Atal Pension Yojana Contribution Formula & Live Calculation

Standard Formula

Total Investment = Contribution Amount × Payment Frequency Multiplier × Years to Age 60

Live Calculation (Plugging Your Values)

Current Entry Age (Age):25 Years

Contribution Period (Years):35 Years (Till Age 60)

Desired Monthly Pension (P):₹5,000 / month

Payment Frequency (Freq):MONTHLY

Indicative Corpus Return to Nominee (Corpus):₹8.50 L

Substituted Equation:

Monthly Contribution = ₹376 / month (₹376 per monthly)

Guaranteed Lifetime Monthly Pension:₹5,000 / month

PFRDA defines exact contribution lookup tables based on entry age (18–40) and target pension tier (₹1k to ₹5k/mo). Early entry at age 18 requires significantly lower monthly contributions than joining at age 39.

Atal Pension Yojana (APY) FAQs

What return does Atal Pension Yojana actually give?

APY is not a market product — the Government guarantees a fixed monthly pension of ₹1,000 to ₹5,000 from age 60, based on your joining age and contribution. The effective return works out to roughly 8% a year for someone joining at 18, falling as the joining age rises because there are fewer years to contribute.

Who is eligible to join Atal Pension Yojana (APY)?

Any resident Indian citizen aged 18 to 40 years holding a savings bank account or post office savings account is eligible to join APY.

Are income taxpayers eligible to join APY?

Starting October 1, 2022, per Ministry of Finance notification, any citizen who is or has been an income-tax payer is not eligible to join the Atal Pension Yojana.

What happens to the APY pension after the subscriber passes away?

APY has a triple benefit structure: (1) Subscriber receives guaranteed monthly pension for life, (2) On subscriber death, the spouse gets the exact same monthly pension for life, (3) On spouse death, the entire indicative accumulated pension corpus (up to ₹8.5 Lakhs) is returned in full to the nominee.

How are APY contributions paid?

APY contributions are auto-debited automatically from your linked savings bank account or post office savings account on a monthly, quarterly, or half-yearly basis.

Can I claim a tax deduction on APY contributions?

Rarely, and the question matters less than it looks. Since 1 October 2022 anyone who is or has been an income-tax payer cannot join APY at all, so most people asking this are not eligible in the first place. If you joined before that and still pay tax, contributions fall under Section 80CCD(1) and 80CCD(1B) — but the ₹50,000 under 80CCD(1B) is a single shared ceiling with NPS Tier-1, not ₹50,000 each. Both deductions exist only under the Old Regime; the New Regime allows neither.

What happens if an APY auto-debit fails, and can I change my pension slab?

A failed auto-debit attracts an overdue charge of Re 1 a month for every Rs 100 of contribution, so a Rs 500 monthly contribution costs Rs 5 for each missed month, recovered with the arrears when the account is regularised. Keep the savings account funded around the debit date. You may raise or lower your pension slab once a financial year at your bank branch; the contribution is then reset and any difference is adjusted.

About Atal Pension Yojana (APY)

Atal Pension Yojana (APY) is a flagship social security scheme launched by the Government of India, administered by the Pension Fund Regulatory and Development Authority (PFRDA) through National Pension System (NPS) architecture. It targets unorganized sector workers and Indian citizens seeking a guaranteed monthly income stream after age 60.