Atal Pension Yojana Calculator

Official APY monthly-contribution table for bank-confirmed eligible entrants aged18–40, paying every installment on time. From2022-10-01, new entrants who are or have been income-tax payers as of application are ineligible. Pension begins at60; indicative nominee corpus is the schedule amount after subscriber and spouse deaths. Excludes arrears, early exit, government co-contributions, pension-tier changes and taxes.

What this tool does

Uses the official Atal Pension Yojana contribution table to show the monthly contribution and the overall payment schedule for a given joining age and desired monthly pension.

How to use it

Enter your age at joining; it must be between 18 and 40.
Enter the desired monthly pension.
Run it for the monthly contribution, contribution years, and total paid.

Worked example

Joining at 30 for a 5,000 monthly pension gives a 577 monthly contribution over 30 years, with 207,720 scheduled in total.

Frequently asked questions

Why is the monthly contribution higher if I join later?: The pension starts at 60, so a later start leaves fewer contribution years. Matching the same pension requires paying more each month.
Can anyone join?: This tool does not assess eligibility. Since 2022-10-01, new enrolment is not open to anyone who is or has been an income-tax payer as of the application date, and the bank verifies eligibility.

What this tool does not cover

A lookup of the official table assuming on-time monthly payment. Late-payment charges, early exit, changing the pension tier, tax treatment, and nominee payout procedures are out of scope. Check official sources before enrolling.