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Atal Pension Yojana Calculator
Exact contribution from the official APY chart · pension, nominee amount, break-even & late-fee check
Guaranteed pension₹1,000 – ₹5,000per month from age 60
years
Pension you want after 60 per month
I will pay auto-debit from savings account
More options: budget mode, life expectancy & tax
₹
years
Income-tax slab 80CCD(1B), old regime
You pay every month—
| Pension / month | Monthly | Quarterly* | Half-yearly* | Total you pay | Nominee gets |
|---|
*Quarterly and half-yearly amounts are close estimates; your bank will show the exact figure from the official chart.
| Joining age | Years to pay | ₹1,000 | ₹2,000 | ₹3,000 | ₹4,000 | ₹5,000 |
|---|
Official monthly contribution (₹) by joining age and pension amount. Your row is highlighted.
months
Keep enough balance in your savings account on the debit date to avoid late fees.
✅ Who can join
- Indian citizens aged 18 to 40 with a savings account in a bank or post office.
- From 1 October 2022, people who are or have been income-tax payers cannot join.
- You must contribute until age 60 (at least 20 years).
💰 What you get
- Fixed pension of ₹1,000 – ₹5,000 a month from age 60, guaranteed by the Government of India.
- After your death, your spouse gets the same pension for life.
- After both, the nominee gets the corpus: ₹1.7 lakh to ₹8.5 lakh.
🔄 Changes & exit
- You can increase or decrease the pension amount once a year (in April).
- If the subscriber dies before 60, the spouse can continue the account till 60 or take the money.
- Voluntary exit before 60 returns your contributions with net interest earned, minus charges.
🧾 Tax benefit
- Contributions are deductible under Section 80CCD(1) within the ₹1.5 lakh limit, plus an extra ₹50,000 under 80CCD(1B) — old tax regime.
- The monthly pension is taxable as income in the year received.
Contribution figures follow the official APY chart (PFRDA). Pension amounts are fixed; totals are estimates. Confirm details with your bank or post office.