The APY chart by joining age: monthly contribution for each pension from ₹1,000 to ₹5,000
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 1 Oct 2026.The Atal Pension Yojana chart is set by the Government: your age on the day you join fixes the contribution for good, and you pay it until you turn 60. At 18, a ₹1,000 pension costs ₹42 a month, ₹125 a quarter or ₹248 a half-year; at 40 the same pension costs ₹291 a month.
| Joining age | Years paid | ₹1,000 pension | ₹3,000 pension | ₹5,000 pension |
|---|---|---|---|---|
| 18 | 42 | ₹42 | ₹126 | ₹210 |
| 20 | 40 | ₹50 | ₹150 | ₹248 |
| 22 | 38 | ₹59 | ₹177 | ₹292 |
| 24 | 36 | ₹70 | ₹208 | ₹346 |
| 26 | 34 | ₹82 | ₹246 | ₹409 |
| 28 | 32 | ₹97 | ₹292 | ₹485 |
| 30 | 30 | ₹116 | ₹347 | ₹577 |
| 32 | 28 | ₹138 | ₹414 | ₹689 |
| 34 | 26 | ₹165 | ₹495 | ₹824 |
| 36 | 24 | ₹198 | ₹594 | ₹990 |
| 38 | 22 | ₹240 | ₹720 | ₹1,196 |
| 40 | 20 | ₹291 | ₹873 | ₹1,454 |
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 with monthly auto-debit, the way most subscribers pay.
Pick the pension chip you want, from ₹1,000 to ₹5,000 a month.
Open the Full chart, monthly tab below the result for every joining age from 18 to 40.
Find your age in the Age column and read the contribution beside it; set your age on the slider for your own estimate.
Switch How often it is auto-debited to Quarterly or Half-yearly, then open Full chart, quarterly or Full chart, half-yearly for those amounts.
The table shows every other age from the official chart, and the calculator below gives any age from 18 to 40, with what you pay in total.
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.
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.
After both the subscriber and the spouse have died, the nominee receives the pension wealth built up until the subscriber turned 60. The official chart puts this at ₹1.7 lakh for a ₹1,000 pension, rising in step to ₹8.5 lakh for ₹5,000, and labels those figures indicative.
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.
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