Finance
Atal Pension Yojana Calculator
APY guarantees a fixed monthly pension (₹1,000 to ₹5,000) at age 60. The required monthly contribution is fixed by PFRDA based on your entry age and target pension. We embed the official PFRDA chart so you can see precisely what to pay. We also project the corpus you'd accumulate at an assumed return — handy when comparing APY vs NPS vs PPF for retirement planning.
APY is open from age 18 to 40.
For corpus projection only — pension is guaranteed.
Monthly contribution required
Pay this every month for 35 years to receive ₹5,000/month guaranteed pension starting at age 60.
Total invested
₹1,57,920
Projected corpus @ 8%
₹8,68,250
Corpus at 60
₹8,68,250
18.2%
81.8%
Contributions follow the official PFRDA chart for age × pension. Pension is government-guaranteed.
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Frequently asked
- Who is eligible for APY?
- Indian citizens aged 18 to 40 with a savings account. Earlier income-tax payers were excluded; that bar was reinstated in 2022. Check current PFRDA notifications before enrolling.
- What happens if I die before 60?
- Your spouse continues to receive the same pension after your death. After both of you, the nominee receives the corpus accumulated up to age 60.
- APY vs NPS — which is better?
- APY is for a guaranteed minimum pension; NPS is for building a market-linked retirement corpus. Most subscribers benefit from doing both — APY for the floor, NPS for upside.
Try NPS Calculator next →
NPS Calculator