Atal Pension Yojana (APY) Calculator

Your details

APY is open to Indian citizens aged 18 to 40. The younger you join, the lower your monthly contribution.
years
PFRDA fixes five pension slabs. You can switch tiers once a year in April.
Quarterly and half-yearly contributions are 3x and 6x the monthly amount plus a small processing levy.
Contribution per periodExcellent long-term value
227INR

Amount you need to deposit each selected period

Monthly equivalent227INR
Contribution period35years
Total amount invested95,340INR
Guaranteed corpus at 60510,000INR
Annual pension income36,000INR
Return multiple5.35
Total invested95,340
Guaranteed corpus510,000

Rs 3,000/month pension at 60 requires Rs 227/month starting now.

  • You will contribute Rs 227 per month for 35 years, totalling roughly Rs 0.95 lakh.
  • PFRDA guarantees a corpus of Rs 5.1 lakh at age 60, which passes to your nominee if you die before or after retirement.
  • Your corpus is 5.35x the total you invested, reflecting the government guarantee and 8% return assumption.

Next stepYou can enrol at any bank branch or post office with your Aadhaar and savings account. Contributions are auto-debited so you never miss a payment.

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