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 upgrade or downgrade your tier once per financial year.
The government prescribes separate quarterly and half-yearly amounts. They are slightly LESS than 3x and 6x the monthly slab, because paying in advance earns extra return.
Contribution per periodExcellent long-term value
226INR

Amount you need to deposit each selected period

Monthly equivalent226INR
Contribution period35years
Total amount invested94,920INR
Guaranteed corpus at 60510,000INR
Annual pension income36,000INR
Return multiple5.37
Total invested94,920
Guaranteed corpus510,000

Rs 3,000/month pension at 60 requires Rs 226 per month starting now.

  • You will contribute Rs 226 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 5.37x 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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