About this tool
Review an APY contribution illustration using the age and pension-option assumptions available. Use the displayed schedule as a starting point for checking the current scheme terms and your actual account eligibility.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Joining Age (18 to 40 Years).
- Guaranteed Monthly Pension at Age 60 (₹): choose from ₹1,000 / month (₹1.7 Lakh Return of Corpus to Nominee); ₹2,000 / month (₹3.4 Lakh Return of Corpus); ₹3,000 / month (₹5.1 Lakh Return of Corpus); ₹4,000 / month (₹6.8 Lakh Return of Corpus), with more options in the selector.
- Review Monthly Contribution; Contribution Years; Total Paid Till Age 60 in the result breakdown.
Benefits
- Compare the available pension-option illustrations.
- See how the selected starting age affects the contribution model.
Who should use this tool?
- People researching an APY option.
- Families discussing an illustrative pension contribution.
How to use
- Complete the labelled fields for your scenario, including Joining Age (18 to 40 Years). Use the units shown beside each field.
- Choose Guaranteed Monthly Pension at Age 60 (₹) to match the situation you want to check.
- Select Calculate / Run Tool and review Monthly APY Contribution & Guaranteed Pension and Monthly Contribution; Contribution Years.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| Join at Age 25 for ₹5,000/mo Pension (₹376/mo) | Joining Age (18 to 40 Years): 25Guaranteed Monthly Pension at Age 60 (₹): ₹5,000 / month (₹8.5 Lakh Return of Corpus) | Pay ₹376/mo → Get ₹5,000/mo Pension from Age 60 |
| Join at Age 18 for ₹5,000/mo Pension (₹210/mo) | Joining Age (18 to 40 Years): 18Guaranteed Monthly Pension at Age 60 (₹): ₹5,000 / month (₹8.5 Lakh Return of Corpus) | Pay ₹210/mo → Get ₹5,000/mo Pension from Age 60 |
Reference and processing
PFRDA — Atal Pension Yojana (APY) Official Contribution Chart · Listed applicability: 2025-2026
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Does the calculator open or enrol me in an account?
It is a local calculation tool. It does not verify eligibility, enrol an account, debit a bank account or confirm acceptance by a provider.
Which inputs do I need for Atal Pension Yojana (APY) Contribution & Guaranteed Pension Estimator?
Use Joining Age (18 to 40 Years); Guaranteed Monthly Pension at Age 60 (₹). The built-in examples show how those fields fit together.
What should I check before using this result?
Available to Indian citizens aged 18–40 years who are not income-tax payers (w.e.f. 1 Oct 2022). Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.