Pick a guaranteed APY pension and see what you pay each month until 60
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 1 Oct 2026.An APY pension of ₹5,000 a month from 60 costs ₹376 a month if you join at 25, paid for 35 years, ₹1,57,920 in all. The pension pays that back in about 32 months, and ₹8,50,000 goes to your nominee. Pick your age and pension to read the official chart.
| Join at | Pay a month | Years paying | Total paid |
|---|---|---|---|
| 18 | ₹210 | 42 | ₹1,05,840 |
| 20 | ₹248 | 40 | ₹1,19,040 |
| 25 | ₹376 | 35 | ₹1,57,920 |
| 30 | ₹577 | 30 | ₹2,07,720 |
| 35 | ₹902 | 25 | ₹2,70,600 |
| 39 | ₹1,318 | 21 | ₹3,32,136 |
Rates and rules read from the sources listed on this page (the earliest on 1 Oct 2026); they may have changed since.
The page opens on the ₹5,000 a month pension, the highest the scheme offers.
Move the Your age when you join slider to your age today.
Pick how often the bank auto-debits it, and compare the totals paid for each choice.
Read the estimated instalment and the amount Returned to your nominee from the published chart.
The Atal Pension Yojana (APY) is the Government of India's pension scheme for workers without a pension of their own. A subscriber picks a monthly pension of ₹1,000, 2,000, 3,000, 4,000 or 5,000, pays a fixed contribution until age 60, and then receives that pension for life. The Central Government guarantees the pension as a minimum.
This calculator looks up your contribution in Annex-1 of the Ministry of Finance notification of 16 October 2015, the official chart, for any joining age from 18 to 40 and for monthly, quarterly or half-yearly payment. It then shows how many years you pay, the total you pay by 60, and the corpus returned to your nominee. It is free, runs in your browser, and sends nothing anywhere.
The notification describes three benefits. You receive the chosen pension every month from 60 until death. After your death, your spouse receives the same pension for life. After both of you, your nominee receives the pension wealth built up by age 60, shown in the chart as ₹1.7 lakh for each ₹1,000 of pension, so ₹8.5 lakh for ₹5,000.
The rest of the article, and all 6 questions about Atal Pension Yojana Calculator, are on the Atal Pension Yojana Calculator page.
This page is India’s Atal Pension Yojana (APY): it shows the contribution for a guaranteed pension of ₹1,000 to ₹5,000 a month from age 60. APY as annual percentage yield, the interest a savings account pays in a year with compounding included, is another thing: for that, use the High-Yield Savings Calculator on this site, which takes the APY of your own offer and shows the balance year by year.
A ₹5,000 monthly pension costs ₹210 a month if you join at 18, ₹376 at 25, ₹577 at 30, ₹902 at 35 and ₹1,454 at 40, according to the Government chart. The amount is fixed on the day you join and is paid every month until you turn 60.
Slightly. At 30, a ₹5,000 pension costs ₹577 a month, ₹1,720 a quarter or ₹3,405 a half-year. Over 30 years that is ₹2,07,720 monthly, ₹2,06,400 quarterly and ₹2,04,300 half-yearly. The Government chart prices each frequency separately, and the calculator shows all three.
Banks collect an overdue charge for every month a contribution is late: Re 1 on a monthly contribution up to ₹100, ₹2 from ₹101 to ₹500, ₹5 from ₹501 to ₹1,000, and ₹10 above ₹1,000. The charge is added to your pension account. Ask your bank for its current charges.
Yes, as a minimum. The Central Government guarantees the chosen pension from age 60 until death, then the same amount to the spouse. If the invested contributions earn more than needed, the pension can be higher. This calculator works only from the published chart and does not project any higher amount.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Atal Pension Yojana Calculator and anybody who knows can answer. No account needed.
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