APY Calculator

Calculate Atal Pension Yojana contribution and benefits. Plan your retirement with guaranteed government-backed pension.

APY Contribution Calculator

Contribution period: 35 years

Selected: ₹5,000/month pension from age 60

Your Monthly Contribution: ₹376/month
Contribute from age 25 to 60 (35 years) to receive ₹5,000/month pension for life.

Contribution Chart for ₹5,000/month Pension

18y
₹210
19y
₹228
20y
₹248
21y
₹269
22y
₹292
23y
₹318
24y
₹346
25y
₹376
26y
₹409
27y
₹446
28y
₹485
29y
₹529
30y
₹577
31y
₹630
32y
₹689
33y
₹752
34y
₹824
35y
₹902
36y
₹990
37y
₹1087
38y
₹1196
39y
₹1318

APY Benefits

₹376Monthly
Monthly Contribution₹376
Total Contribution₹1,57,920
Monthly Pension₹5,000
Corpus at 60₹8,50,000

₹376

Monthly Contribution

35 Years

Contribution Period

₹5,000

Monthly Pension

₹8,50,000

Corpus to Nominee

APY Pension Options (Age 25)

Monthly PensionContribution/MonthTotal ContributionCorpus at 60
₹1,000/month₹76₹31,920₹1,70,000
₹2,000/month₹151₹63,420₹3,40,000
₹3,000/month₹226₹94,920₹5,10,000
₹4,000/month₹301₹1,26,420₹6,80,000
₹5,000/month₹376₹1,57,920₹8,50,000

APY Key Features

Government Guaranteed

Pension amount is guaranteed by Govt. of India. Safe & secure retirement income.

Spouse Pension

After subscriber's death, spouse receives the same pension for life.

Corpus to Nominee

After both subscriber & spouse, accumulated corpus goes to nominee.

Frequently Asked Questions

Understanding APY

Atal Pension Yojana (APY) is a government-backed pension scheme launched in 2015. It is primarily targeted at workers in the unorganized sector who don't have access to formal pension schemes.

Eligibility Criteria

  • Age between 18-39 years
  • Must have a savings bank account
  • Valid mobile number and Aadhaar
  • Not a member of any statutory social security scheme

Tax Benefits

  • Contributions eligible for deduction under Section 80CCD(1)
  • Additional deduction of ₹50,000 under Section 80CCD(1B)
  • Part of NPS umbrella with EEE tax status