Atal Pension Yojana (APY) Calculator (2026) – Pension Planner

Calculate your exact APY monthly contribution instantly.

Your Joining Age

Years

PFRDA rejects APY applications over age 40.

Desired Monthly Pension

Investment Duration

35 Years

Total Amount Invested

₹31,920

Required Monthly Investment

₹76

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Secure Your Retirement with the APY Calculator

The Atal Pension Yojana (APY) is a transformative, government-backed pension scheme introduced to provide absolute financial security for Indian citizens, particularly those operating in the unorganized sector. Administered by the Pension Fund Regulatory and Development Authority (PFRDA), APY guarantees a fixed monthly pension ranging from ₹1,000 to ₹5,000 after you reach the age of 60.

Why Start Early? The Power of Fixed Premiums

The monthly investment required for APY is locked in based on your age at the time of joining. If you join at age 18 aiming for a ₹5,000 monthly pension, your contribution is a mere ₹210 per month. If you delay joining until age 40, that exact same ₹5,000 pension will cost you ₹1,454 per month. Our APY calculator instantly demonstrates how starting early minimizes your out-of-pocket investment while maximizing the government-guaranteed corpus.

The Guaranteed Corpus & Nominee Benefits

APY doesn't just protect you; it protects your family. To guarantee your monthly payout, the government builds an indicative return corpus behind the scenes. For a ₹5,000 pension, this corpus is exactly ₹8.5 Lakhs. If the subscriber passes away, the spouse continues to receive the pension. Upon the death of both, the entire ₹8.5 Lakh corpus is handed over in full to the registered nominee.

Frequently Asked Questions (FAQs)

What is the maximum age to join Atal Pension Yojana (APY)?

The maximum age to join the Atal Pension Yojana is 40 years. The minimum age is 18 years. You must contribute for a minimum of 20 years to receive the pension at age 60.

Can an NPS subscriber open an APY account?

No. To open an APY account, you must not be a member of any statutory social security scheme, including the National Pension System (NPS), and you should not be an income taxpayer.

What happens to the APY corpus if the subscriber dies?

In the unfortunate event of the subscriber's death, the same pension amount is paid to the spouse for life. Upon the demise of both the subscriber and the spouse, the entire accumulated corpus is returned to the nominee.

Legal Disclaimer: This APY Calculator provides indicative premium amounts and total investment figures based strictly on the official PFRDA contribution charts. The Atal Pension Yojana is subject to specific eligibility criteria, including bank account linkage and non-taxpayer status. Delayed contributions may attract penalties leading to account deactivation. This tool is intended for educational and planning purposes only and does not constitute official financial advice.