Atal Pension Yojana Calculator: Guaranteed Pension of ₹1K–5K/Month
A Government-Guaranteed Monthly Pension for ₹210/Month
APY is India’s most affordable pension scheme. For as little as ₹210/month (if you join at 18), you get a guaranteed ₹5,000/month pension for life after age 60. The earlier you join, the lower your contribution.
Monthly Contribution Chart
| Pension Amount | Join at 18 | Join at 25 | Join at 30 | Join at 35 |
|---|---|---|---|---|
| ₹1,000/month | ₹42 | ₹76 | ₹116 | ₹181 |
| ₹2,000/month | ₹84 | ₹151 | ₹231 | ₹362 |
| ₹3,000/month | ₹126 | ₹226 | ₹347 | ₹543 |
| ₹5,000/month | ₹210 | ₹376 | ₹577 | ₹902 |
Is APY Enough for Retirement?
₹5,000/month in 2026 will have the purchasing power of about ₹1,500 in 2063 (at 6% inflation). APY should be a supplement to your retirement plan, not the primary source. Combine it with EPF, NPS, and mutual fund SIPs for a comprehensive retirement income.
Key Rules
- Eligibility: 18–40 years old, must have a savings account
- 80CCD(1B) deduction of up to ₹50,000 applies (old regime)
- Spouse receives the same pension after subscriber’s death
- Nominee receives the accumulated corpus