Atal Pension Yojana (APY) Calculator
See the exact amount your bank will auto-debit every month for a guaranteed ₹1,000–₹5,000 lifelong pension — straight from the official PFRDA chart.
Monthly pension you want from age 60:
You pay per month
₹376
auto-debit till age 60
Pension from age 60
₹5,000
guaranteed, for life
Total you contribute
₹1,57,920
₹376 × 12 × 35 yrs
Nominee gets back
₹8.5 lakh
after subscriber & spouse
After your death, your spouse gets the same ₹5,000 pension for life; after both, the nominee receives the corpus above. Figures are from the official PFRDA contribution chart — your bank auto-debits exactly this amount when you enroll in APY.
All 5 pension options at age 25:
| Pension (from 60) | Monthly contribution | Total till 60 | Nominee corpus |
|---|---|---|---|
| ₹1,000/month | ₹76 | ₹31,920 | ₹1.7 lakh |
| ₹2,000/month | ₹151 | ₹63,420 | ₹3.4 lakh |
| ₹3,000/month | ₹226 | ₹94,920 | ₹5.1 lakh |
| ₹4,000/month | ₹301 | ₹1,26,420 | ₹6.8 lakh |
| ₹5,000/month | ₹376 | ₹1,57,920 | ₹8.5 lakh |
How this calculator works
Unlike market-linked pension products, APY has no projections and no assumptions — the Pension Fund Regulatory and Development Authority (PFRDA) publishes one fixed contribution chart. Your monthly amount depends only on your joining age and the pension tier you pick, and it never changes. This tool reads directly from that chart, then shows the arithmetic most banks won't show you: the total you will actually pay until age 60, and the corpus your nominee receives.
Want the full scheme guide — eligibility, enrollment steps, exit rules and the October 2022 taxpayer restriction? Read our complete Atal Pension Yojana guide, or check what else you qualify for with the free scheme eligibility checker.
APY Calculator — Frequently Asked Questions
How is the APY monthly contribution decided?▾
It depends on only two things: your age when you join (18–40) and the pension you choose (₹1,000 to ₹5,000 per month). PFRDA publishes a fixed chart — for example, joining at 18 for a ₹5,000 pension costs ₹210/month, while joining at 40 for the same pension costs ₹1,454/month. The earlier you join, the less you pay.
Is the APY pension really guaranteed?▾
Yes. Atal Pension Yojana is the only pension scheme where the Government of India guarantees the minimum pension amount by law. If the fund earns less than needed, the government tops it up.
What happens to the money if I die before 60?▾
Your spouse can either continue contributing until your notional age of 60 and then draw the full pension, or exit and take the accumulated corpus. After 60, if you die first, your spouse gets the same pension for life; after both spouses, the nominee receives the full corpus (₹1.7–₹8.5 lakh depending on the pension tier).
Who can open an APY account?▾
Any Indian citizen aged 18–40 with a savings bank or post-office account. From 1 October 2022, income-tax payers are not allowed to join. You enroll through your bank branch or net banking — the contribution is then auto-debited monthly.
Can I increase or decrease my pension amount later?▾
Yes, once per financial year you can upgrade or downgrade your pension tier through your bank. The monthly auto-debit is re-fixed to the chart amount for your original joining age.
What if I miss a monthly contribution?▾
The bank retries the auto-debit with a small overdue interest (₹1 per ₹100 of contribution per month of delay). If you stop paying entirely, the account first freezes (after 6 months of no payment), then deactivates (12 months), and finally closes (24 months) with the balance returned.
Source: PFRDA Atal Pension Yojana contribution chart. Contribution figures are the official published amounts; your bank fixes the exact auto-debit at enrollment. Last verified: 5 July 2026.