Atal Pension Yojana (APY) Calculator
Calculate Atal Pension Yojana (APY) monthly auto-debit contributions across entry ages 18-40, guaranteed pension tiers, and PFRDA nominee corpus return.
Joining APY at age 25 with an auto-debited monthly contribution of ₹376 secures a guaranteed lifetime monthly pension of ₹5,000 starting at age 60 (₹850,000 nominee corpus return).
Model auto-debited monthly contributions across entry ages (18–40 Yrs), guaranteed lifetime pension tiers (₹1k–₹5k/mo), and PFRDA nominee corpus return provisions (up to ₹8.5 Lakhs).
⚡ Smart APY Presets
1. Subscriber Entry Age & Pension Tier Parameters
📜 Official PFRDA Statutory Monthly Contribution MatrixPFRDA Notified Table (18–40 Yrs)
| Entry Age | Tenure (Yrs) | ₹1,000 / mo | ₹2,000 / mo | ₹3,000 / mo | ₹4,000 / mo | ₹5,000 / mo |
|---|---|---|---|---|---|---|
| Age 18 | 42 Yrs | ₹42 | ₹84 | ₹126 | ₹168 | ₹210 |
| Age 19 | 41 Yrs | ₹46 | ₹92 | ₹138 | ₹183 | ₹228 |
| Age 20 | 40 Yrs | ₹50 | ₹100 | ₹150 | ₹198 | ₹248 |
| Age 21 | 39 Yrs | ₹55 | ₹109 | ₹163 | ₹217 | ₹271 |
| Age 22 | 38 Yrs | ₹59 | ₹118 | ₹177 | ₹236 | ₹295 |
| Age 23 | 37 Yrs | ₹65 | ₹128 | ₹192 | ₹256 | ₹320 |
| Age 24 | 36 Yrs | ₹70 | ₹139 | ₹208 | ₹277 | ₹347 |
| Age 25 | 35 Yrs | ₹76 | ₹151 | ₹226 | ₹301 | ₹376 |
| Age 26 | 34 Yrs | ₹82 | ₹164 | ₹245 | ₹327 | ₹409 |
| Age 27 | 33 Yrs | ₹90 | ₹178 | ₹267 | ₹356 | ₹446 |
| Age 28 | 32 Yrs | ₹97 | ₹193 | ₹289 | ₹386 | ₹483 |
| Age 29 | 31 Yrs | ₹106 | ₹211 | ₹316 | ₹421 | ₹527 |
| Age 30 | 30 Yrs | ₹116 | ₹231 | ₹347 | ₹462 | ₹577 |
| Age 31 | 29 Yrs | ₹126 | ₹252 | ₹378 | ₹504 | ₹630 |
| Age 32 | 28 Yrs | ₹138 | ₹276 | ₹413 | ₹551 | ₹689 |
| Age 33 | 27 Yrs | ₹150 | ₹300 | ₹450 | ₹601 | ₹751 |
| Age 34 | 26 Yrs | ₹165 | ₹329 | ₹494 | ₹658 | ₹823 |
| Age 35 | 25 Yrs | ₹181 | ₹362 | ₹543 | ₹722 | ₹902 |
| Age 36 | 24 Yrs | ₹198 | ₹396 | ₹593 | ₹791 | ₹989 |
| Age 37 | 23 Yrs | ₹218 | ₹436 | ₹653 | ₹871 | ₹1088 |
| Age 38 | 22 Yrs | ₹240 | ₹479 | ₹718 | ₹957 | ₹1196 |
| Age 39 | 21 Yrs | ₹264 | ₹528 | ₹792 | ₹1056 | ₹1318 |
| Age 40 | 20 Yrs | ₹291 | ₹582 | ₹873 | ₹1164 | ₹1454 |
📅 Cumulative Contribution Schedule (35 Years)Auto-Debit Accumulation
| Year (Age) | Annual Auto-Debited Contribution | Cumulative Contribution Paid | Status |
|---|---|---|---|
| Year 1 (Age 26) | ₹4,512 | ₹4,512 | Accumulation Phase |
| Year 2 (Age 27) | ₹4,512 | ₹9,024 | Accumulation Phase |
| Year 3 (Age 28) | ₹4,512 | ₹13,536 | Accumulation Phase |
| Year 4 (Age 29) | ₹4,512 | ₹18,048 | Accumulation Phase |
| Year 5 (Age 30) | ₹4,512 | ₹22,560 | Accumulation Phase |
| Year 6 (Age 31) | ₹4,512 | ₹27,072 | Accumulation Phase |
| Year 7 (Age 32) | ₹4,512 | ₹31,584 | Accumulation Phase |
| Year 8 (Age 33) | ₹4,512 | ₹36,096 | Accumulation Phase |
| Year 9 (Age 34) | ₹4,512 | ₹40,608 | Accumulation Phase |
| Year 10 (Age 35) | ₹4,512 | ₹45,120 | Accumulation Phase |
| Year 11 (Age 36) | ₹4,512 | ₹49,632 | Accumulation Phase |
| Year 12 (Age 37) | ₹4,512 | ₹54,144 | Accumulation Phase |
| Year 13 (Age 38) | ₹4,512 | ₹58,656 | Accumulation Phase |
| Year 14 (Age 39) | ₹4,512 | ₹63,168 | Accumulation Phase |
| Year 15 (Age 40) | ₹4,512 | ₹67,680 | Accumulation Phase |
| Year 16 (Age 41) | ₹4,512 | ₹72,192 | Accumulation Phase |
| Year 17 (Age 42) | ₹4,512 | ₹76,704 | Accumulation Phase |
| Year 18 (Age 43) | ₹4,512 | ₹81,216 | Accumulation Phase |
| Year 19 (Age 44) | ₹4,512 | ₹85,728 | Accumulation Phase |
| Year 20 (Age 45) | ₹4,512 | ₹90,240 | Accumulation Phase |
| Year 21 (Age 46) | ₹4,512 | ₹94,752 | Accumulation Phase |
| Year 22 (Age 47) | ₹4,512 | ₹99,264 | Accumulation Phase |
| Year 23 (Age 48) | ₹4,512 | ₹1,03,776 | Accumulation Phase |
| Year 24 (Age 49) | ₹4,512 | ₹1,08,288 | Accumulation Phase |
| Year 25 (Age 50) | ₹4,512 | ₹1,12,800 | Accumulation Phase |
| Year 26 (Age 51) | ₹4,512 | ₹1,17,312 | Accumulation Phase |
| Year 27 (Age 52) | ₹4,512 | ₹1,21,824 | Accumulation Phase |
| Year 28 (Age 53) | ₹4,512 | ₹1,26,336 | Accumulation Phase |
| Year 29 (Age 54) | ₹4,512 | ₹1,30,848 | Accumulation Phase |
| Year 30 (Age 55) | ₹4,512 | ₹1,35,360 | Accumulation Phase |
| Year 31 (Age 56) | ₹4,512 | ₹1,39,872 | Accumulation Phase |
| Year 32 (Age 57) | ₹4,512 | ₹1,44,384 | Accumulation Phase |
| Year 33 (Age 58) | ₹4,512 | ₹1,48,896 | Accumulation Phase |
| Year 34 (Age 59) | ₹4,512 | ₹1,53,408 | Accumulation Phase |
| Year 35 (Age 60) | ₹4,512 | ₹1,57,920 | 🏆 Pension Starts (₹5,000/mo) |
How Repayment & Lifecycle Works
Understanding the key phases of your loan or investment timeline
Select Subscriber Entry Age (18–40 Years)
Specify your current entry age. Joining earlier significantly lowers your monthly auto-debited contribution.
Choose Target Guaranteed Monthly Pension Tier
Select your desired guaranteed monthly lifetime pension (₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 per month starting at age 60).
Review Auto-Debited Contribution & Frequency
Inspect auto-debited monthly, quarterly, or half-yearly contributions according to the official PFRDA statutory table.
Audit Lifetime Pension & Nominee Corpus Return
Review your guaranteed monthly lifetime pension and the statutory return of pension corpus (up to ₹8.5 Lakhs) to your nominee.
Who Should Use the Atal Pension Yojana (APY) Calculator?
Unorganized Sector Workers & Self-Employed Citizens
Workers, gig economy drivers, artisans, shopkeepers, and freelancers securing a guaranteed government pension.
Young Adults & Early Career Entrants (Ages 18–25)
Young citizens locking in ₹5,000 monthly pension for life for just ₹210/month (₹7/day) by joining at age 18.
Non-Income Tax Paying Citizens
Eligible non-taxpayers taking full advantage of government-guaranteed social security retirement benefits.
Spouses & Family Retirement Planners
Couples opening individual APY accounts to secure a combined guaranteed household pension of ₹10,000 per month.
Key Benefits
- Guarantee a 100% sovereign-backed lifetime monthly pension with zero market default risk
- Secure a pension for yourself and your spouse for life
- Pass 100% of accumulated pension corpus (up to ₹8.5 Lakhs) to your nominee
- Benefit from low monthly contributions by joining early at age 18 (just ₹210/month)
Platform Features
- Flagship Atal Pension Yojana (APY) PFRDA decision and calculation engine
- Official PFRDA Statutory Monthly Contribution Table lookup across all entry ages (18 to 40 Years)
- Guaranteed Lifetime Monthly Pension Tiers (₹1,000 to ₹5,000 / month starting at age 60)
- Statutory Return of Pension Corpus to Nominee calculator (up to ₹8,50,000)
- Auto-debit payment frequency switcher (Monthly, Quarterly, and Half-Yearly)
- Inflation-adjusted real purchasing power pension indicator at age 60
- Interactive year-by-year cumulative contribution schedule table
Atal Pension Yojana (APY) PFRDA Statutory Framework
Prescribed statutory monthly contribution based on entry age (18–40) and selected pension tier (₹1k–₹5k).
Guaranteed monthly lifetime pension payout commences automatically on reaching age 60.
₹1,000 to ₹5,000 monthly guaranteed pension paid to subscriber for life (and then to spouse).
100% of accumulated pension corpus (up to ₹8.5 Lakhs) returned to nominee upon death of subscriber and spouse.
Practical Worked Scenarios
Benchmark Case Study: Earliest Entry at Age 18 (₹5,000/mo Pension @ ₹210/mo)
Benchmark Case Study: Late Entry at Age 40 (₹5,000/mo Pension @ ₹1,454/mo)
Common Mistakes to Avoid
Critical financial oversights that reduce long-term returns
Assuming tax payers can join: Income tax payers are not eligible to open new APY accounts post October 1, 2022.
Delaying entry past age 40: APY entry strictly closes at age 40; citizens over 40 cannot open a new APY account.
Failing to maintain bank balance: Insufficient balance on auto-debit dates leads to monthly penalty interest charges.
Atal Pension Yojana (APY) Calculator FAQs
Clear answers to common questions about calculations and methodology