Atal Pension Yojana Calculator
The monthly contribution for each guaranteed pension from 60, by age at joining, from the scheme’s own chart
Joining at 25 for a ₹5,000 monthly pension costs ₹376 a month for 35 years: ₹1.58 lakh in all.
Monthly contribution
₹376
- Years of contribution
- 35
- Total contributed
- ₹1,57,920
- Pension from 60
- ₹5,000 a month
- Corpus to nominee (indicative)
- ₹8,50,000
At ₹5,000 a month, the pension pays back what was contributed in 32 months, without counting interest.
Every pension, joining at 25
- ₹1,000 a month
- ₹76 a month
- ₹2,000 a month
- ₹151 a month
- ₹3,000 a month
- ₹226 a month
- ₹4,000 a month
- ₹301 a month
- ₹5,000 a month
- ₹376 a month
₹5,000 pension, by age at joining
- Joining at 18
- ₹210 a month for 42 years
- Joining at 25
- ₹376 a month for 35 years
- Joining at 30
- ₹577 a month for 30 years
- Joining at 35
- ₹902 a month for 25 years
- Joining at 40
- ₹1,454 a month for 20 years
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How this is calculated
Formula
Contribution = the chart’s figure for (age at joining, pension)
With your numbers
- 1Look up the chartage 25, pension ₹5,000₹376 a month
- 2Years of contribution60 − age at joining60 − 25 = 35
- 3Total contributedmonthly × 12 × years₹376 × 12 × 35 = ₹1,57,920
- The pension is the minimum the Government guarantees. If returns on the contributions exceed what the chart assumes, a higher pension is paid; if they fall short, the Government makes up the difference.
- After the subscriber, the spouse receives the same pension; after both, the nominee receives the corpus, indicated at ₹8,50,000 for this pension.
- From 1 October 2022, nobody who is or has been an income-tax payer may join. Those who joined before then continue.
- Contributions are debited from your savings account. The scheme’s rules on missed contributions, changing the pension and exit before 60 are on the APY pages of PFRDA and your bank.
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