Atal Pension Yojana
Calculate Atal Pension Yojana monthly contribution amount
APY Details
Select age and pension amount, then click Calculate
Monthly Contribution Required
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Years of Contribution
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Total Contribution
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Monthly Pension After Retirement (age 60)
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How to Use
- Enter your Current Age (must be 18–40 years).
- Select your Desired Monthly Pension (₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000).
- Click Calculate — see your required monthly contribution and total corpus at age 60.
What is Atal Pension Yojana (APY)?
Atal Pension Yojana is a government-backed pension scheme for Indian workers in the unorganised sector — auto drivers, household help, construction workers, and others without access to formal pension plans. Subscribers receive a guaranteed monthly pension of ₹1,000–₹5,000 from age 60.
Key Features
| Feature | Details |
|---|---|
| Eligibility | Age 18–40; Indian citizen; savings bank account holder |
| Pension Options | ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000/month |
| Contribution Period | Until age 60 (minimum 20 years) |
| Tax Benefit | Section 80CCD(1) — up to ₹1.5 lakh; additional ₹50,000 under 80CCD(1B) |
| Death Benefit | Spouse continues pension; on both deaths, corpus returned to nominee |
Sample Contribution (₹5,000 Pension)
- Start at age 18 → ₹210/month
- Start at age 25 → ₹376/month
- Start at age 30 → ₹577/month
- Start at age 40 → ₹1,454/month
Starting early dramatically reduces the required contribution — a compelling reason to enroll as soon as eligible.