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Atal Pension Yojana
APY Calculator
Pick your joining age and the monthly pension you want from 60, and see exactly what you'll pay each month under the Atal Pension Yojana — from the official PFRDA chart — along with the total contribution, the corpus your nominee gets, and what the pension will really be worth after inflation.
Your APY plan
See the full APY contribution chart
Monthly contribution in ₹ by joining age and chosen pension. Your age is highlighted.
| Age | Years | ₹1,000 | ₹2,000 | ₹3,000 | ₹4,000 | ₹5,000 |
|---|
How it's calculated
Atal Pension Yojana is a government-guaranteed pension scheme for workers in the unorganised sector, run by PFRDA. You pay a fixed monthly amount until you turn 60 — set by your joining age and the pension you choose — and receive ₹1,000 to ₹5,000 a month for life from 60. After you, your spouse gets the same pension, and after both, your nominee receives the accumulated corpus (₹1.7 lakh for a ₹1,000 pension up to ₹8.5 lakh for ₹5,000).
Example: joining at 25 for a ₹5,000 pension costs ₹376 a month for 35 years — ₹1,57,920 in all. At 6% inflation, though, ₹5,000 at age 60 buys only about ₹651 in today's money.
Contribution amounts come from the official PFRDA chart for monthly payment; quarterly and half-yearly modes use slightly different amounts. Since 1 October 2022, anyone who is or has been an income-tax payer can't join. The pension is a fixed rupee amount, so its real value falls with inflation — the "today's money" figure uses the inflation rate you set.