# Atal Pension Yojana Calculator

URL: https://speedycalculator.com/calculators/finance/atal-pension-yojana/
Last updated: 2026-10-25

> The Atal Pension Yojana calculator works out the monthly contribution you need to make from your joining age (18–40) until 60 to get a guaranteed pension of ₹1,000 to ₹5,000 a month – and the total you will contribute and the corpus returned to your nominee.

## Inputs

- Age when joining
- Desired monthly pension

## Results

- Monthly contribution
- Years of contribution
- Total contribution
- Guaranteed monthly pension from 60
- Corpus returned to nominee

## Formula

```
Monthly contribution = official APY rate for your age × (pension ÷ 1,000)
Contribution years = 60 − joining age
Corpus returned to nominee: ₹1.7 lakh (₹1,000 pension) to ₹8.5 lakh (₹5,000 pension)
```

## Explanation

APY is a government-backed pension scheme for workers aged 18–40 who are not income-tax payers (since October 2022). The pension is guaranteed; after the subscriber, the spouse receives the same pension, and the corpus goes to the nominee.

### How to use the Atal Pension Yojana Calculator

- **Age when joining**
- **Desired monthly pension**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Enter your age when joining and choose the monthly pension you want.

### Tips

- Figures use the latest published rates; government scheme rates are revised every quarter.
- Choose between the old and new tax regimes carefully – deductions only count in the old regime.
- Keep proofs of investments and rent for your employer and the tax return.
- Use the official portal of each scheme for exact maturity values.

### Common mistakes to avoid

- Assuming scheme interest rates are fixed for the whole term.
- Forgetting tax on interest from fixed and recurring deposits.
- Missing the yearly minimum deposit on PPF or Sukanya Samriddhi accounts.

### Inputs explained

FieldWhat to enterAge when joiningA numberDesired monthly pensionChoose one: ₹1,000, ₹2,000, ₹3,000, ₹4,000 …

### What each result means

- **Years of contribution** = 60 - round([Age when joining])
- **Total contribution** = [Monthly contribution]×12×[Years of contribution]
- **Corpus returned to nominee** = [Desired monthly pension]×170

### Example values

How the main result changes when **Age when joining** changes and everything else stays at the example values above:

Age when joiningMonthly contribution18.752302538031.2563037.51,200

## Worked example

Inputs — Age when joining: 25; Desired monthly pension: ₹5,000.

Results — **Monthly contribution = ₹380.00**; Years of contribution = 35; Total contribution = ₹159,600.00; Guaranteed monthly pension from 60 = ₹5,000.00; Corpus returned to nominee = ₹850,000.00.

## FAQ

**Who can join Atal Pension Yojana?**
Indian citizens aged 18–40 with a savings account who are not income-tax payers.

**What is the maximum APY pension?**
₹5,000 a month.

**What happens after the subscriber dies?**
The spouse receives the pension, then the nominee gets the corpus.

**What formula does the Atal Pension Yojana Calculator use?**
Monthly contribution = official APY rate for your age × (pension ÷ 1,000).


## Sources

- [PFRDA – Atal Pension Yojana](https://www.pfrda.org.in/)