Atal Pension Yojana Calculator

Calculate your monthly APY contribution based on age and desired pension. Find monthly contribution, total investment, and government co-contribution for APY.

Atal Pension Yojana (APY) Calculator

Monthly contribution to get Rs 1,000–5,000 guaranteed pension from age 60

Current age 30 years
1840
yrs
Desired monthly pension
Breakdown
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Scheme details based on current government rules. Always verify latest eligibility and benefits at official portals before applying.

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ThriftRupee Insight

APY guarantees a fixed monthly pension of Rs 1,000–5,000 from age 60 — fully backed by the Government of India. At age 25, getting a Rs 5,000/month guaranteed pension costs just Rs 376/month. At age 39, the same Rs 5,000 costs Rs 1,454/month. Every year you delay doubles the cost. For gig workers, domestic staff, farmers, and informal sector workers without PF, APY is the closest thing to a guaranteed retirement income.

Atal Pension Yojana (APY) Calculator

Calculate your monthly APY contribution based on age and desired pension. Find monthly contribution, total investment, and government co-contribution for APY.

Frequently asked questions

Who can join APY?▼
Any Indian citizen aged 18–40 years with a savings bank account and Aadhaar can join APY. The scheme targets unorganised sector workers who do not have any other social security coverage. Income tax payers are not eligible to join APY from October 2022. Existing APY subscribers who became income tax payers may continue but government co-contribution (if applicable) stops.
What pension amounts are available under APY?▼
APY offers guaranteed monthly pensions of Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000, or Rs 5,000 starting at age 60. The pension continues for the subscriber's lifetime, and after their death, the spouse receives the same pension till their death. The accumulated corpus is then returned to the nominee. Pension amount is fixed and not linked to market returns.
Does the government contribute to APY?▼
Government co-contribution of 50% of subscriber's contribution (maximum Rs 1,000 per year) was available for 5 years from 2015-16 for subscribers who joined before March 31, 2016. This co-contribution period has ended. New subscribers no longer get government co-contribution, but the pension guarantee remains a government guarantee regardless.

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