Atal Pension Yojana (APY) Calculator
Monthly contribution for an Atal Pension Yojana pension of ₹1,000 to ₹5,000, by your joining age.
Result
How to use
- 1
Enter your age when you join APY.
- 2
Pick the guaranteed monthly pension you want from age 60.
- 3
See your monthly contribution, total paid and the amount your nominee gets.
Questions
Who can join Atal Pension Yojana?
Indian citizens aged 18 to 40 with a savings bank or post office account. Since 1 October 2022, anyone who is or has been an income-tax payer cannot join. In January 2026 the Union Cabinet extended the scheme up to 2030-31.
What happens after 60 or on death?
You get the guaranteed pension for life. After your death your spouse gets the same pension, and after both, the nominee receives the corpus: ₹1.7 lakh for a ₹1,000 pension up to ₹8.5 lakh for ₹5,000. If you die before 60, your spouse can continue the account or take the money.
Where do these contribution amounts come from?
They are from the official APY contribution chart (PFRDA). You can also pay quarterly or half-yearly; contributions are auto-debited from your bank account, and late payments attract a small penalty of ₹1–₹10 a month.
About this Atal Pension Yojana tool
Atal Pension Yojana (APY) Calculator — Monthly contribution for an Atal Pension Yojana pension of ₹1,000 to ₹5,000, by your joining age. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter your age when you join APY.
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Results are estimates to help you plan. They are not financial, tax or medical advice.