APY Calculator

Atal Pension Yojana: your contribution, your guaranteed pension for life. From the official chart. Free, private, no signup.

Your APY plan

Your age at joining (18–40)

Monthly pension you want from age 60 (₹)

Contribution table: official PFRDA chart (via TOI). Values between listed ages are interpolated estimates — your bank's chart is authoritative.

Your monthly contribution

Total you'll pay till age 60-

Guaranteed pension from 60-

Corpus returned to nominee-

Why joining early matters

Monthly contribution for your chosen pension, by joining age.

APY: a government-guaranteed pension for the unorganised sector

Atal Pension Yojana gives you a guaranteed monthly pension of ₹1,000–₹5,000 from age 60, for life — backed by the Government of India, regulated by PFRDA, with zero market risk. It's built for unorganised-sector workers: join between 18 and 40, contribute till 60.

The earlier, the cheaper. ₹5,000 pension costs ₹210/month at 18 but ₹1,454/month at 40 — 7× more for the same pension. Every year of delay is brutally expensive; the chart above shows it.
Income taxpayers can't join. Since 1 Oct 2022, anyone who is or has been an income-tax payer is ineligible. This is strictly for non-taxpayers.
Spouse + nominee are covered. After your death, your spouse gets the same pension; after both, the full corpus (₹1.7L–₹8.5L depending on slab) goes to the nominee.
Tax: contributions qualify for 80CCD(1) deduction (within the ₹1.5L 80C limit).

APY vs NPS

APY is a defined benefit (pension amount fixed, government bears the risk); NPS is defined contribution (corpus depends on markets). Taxpayers who can't join APY should look at our NPS calculator instead.

FAQs

Can income taxpayers join APY?

No — since 1 October 2022, anyone who is or has been an income-tax payer is not eligible for APY.

What happens if I miss contributions?

Penalties apply per missed contribution and the account can be frozen/closed after prolonged default — keep the auto-debit funded.

Can I change my pension amount later?

Yes — you can upgrade or downgrade your pension slab once a year, in April; contributions adjust accordingly.

Is the pension really guaranteed?

Yes — the government guarantees the pension amount; any shortfall in the pension fund is made up by the government.

Is my data sent anywhere?

No. Everything is computed in your browser; nothing leaves your device.

Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device. Contributions per the official PFRDA chart; banks may vary slightly. Verify eligibility and exact premiums with your bank.