Joining earlier lowers the official contribution.
Atal Pension Yojana Calculator
Estimate official monthly APY contribution from entry age and pension slab. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Official monthly contribution₹580Updates instantly as you edit
Total contribution to age 60208800 years
Guaranteed monthly pension slab5000 months
Indicative nominee corpus₹8.50 L
Projection journeyHover to inspect a year
Contribution is based on the official age/slab table. Eligibility, auto-debit frequency, delay charges and exit rules must be checked with PFRDA.
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Five smart nudges
Use the result with context.
Confirm current taxpayer eligibility before opening.
Keep the auto-debit account funded.
Treat the pension as a nominal base, not full retirement income.
Keep spouse and nominee details current.
Understanding APY in India
Editorially reviewed 13 July 2026 · Rules and assumptions can change
Contribution depends on joining age
APY offers selected minimum guaranteed pension slabs from ₹1,000 to ₹5,000 per month from age 60 under scheme conditions. Joining earlier means a lower periodic contribution because payments continue longer.
At age 18, the official monthly contribution for ₹5,000 pension is ₹210; at age 40 it is much higher. The calculator uses the official age table rather than a market-return assumption.
Eligibility and auto-debit
Entry age is 18–40 and current eligibility restrictions, including income-taxpayer rules, must be checked. Contributions can be monthly, quarterly or half-yearly through the permitted account.
Insufficient balance can create overdue charges and interrupted contribution history. Keep nomination, spouse and bank details current.
Pension and nominee benefit
The selected pension is a scheme guarantee subject to contribution compliance. Spouse continuation and nominee corpus rules depend on the exit or death event.
APY is a base pension, not a complete inflation-linked retirement plan; the nominal pension does not automatically rise with living costs.
Official sources used for this guide
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
APY calculator FAQs
Can someone over 40 join APY?
No under the normal entry-age rule.
Does the pension rise with inflation?
The selected guaranteed slab is nominal and not automatically inflation-indexed.
Why does age change contribution?
Later entry leaves fewer months to fund the benefit.
Can an income-taxpayer join?
Current eligibility restrictions must be checked before opening.