Atal Pension Yojana Calculator 2026
Calculate monthly premium contributions to secure guaranteed lifetime monthly pension of ₹1,000 to ₹5,000 at age 60
Contribution Window: You will contribute for 35 years (from age 25 till age 60).
Pension payouts start automatically from month 1 after you turn 60 years old.
Guaranteed Monthly Pension (from Age 60)
₹5,000 / mo
Lifetime guaranteed pension paid out monthly by the Government of India.
APY Payout & Nominee Security Summary
Contribution Schedule (35 Years)
| Year | Age | Annual Contribution | Cumulative Total Contributed |
|---|---|---|---|
| Year 1 | 26 yrs | ₹4,512 | ₹4,512 |
| Year 2 | 27 yrs | ₹4,512 | ₹9,024 |
| Year 3 | 28 yrs | ₹4,512 | ₹13,536 |
| Year 4 | 29 yrs | ₹4,512 | ₹18,048 |
| Year 5 | 30 yrs | ₹4,512 | ₹22,560 |
| Year 6 | 31 yrs | ₹4,512 | ₹27,072 |
| Year 7 | 32 yrs | ₹4,512 | ₹31,584 |
| Year 8 | 33 yrs | ₹4,512 | ₹36,096 |
| Year 9 | 34 yrs | ₹4,512 | ₹40,608 |
| Year 10 | 35 yrs | ₹4,512 | ₹45,120 |
| Year 11 | 36 yrs | ₹4,512 | ₹49,632 |
| Year 12 | 37 yrs | ₹4,512 | ₹54,144 |
| Year 13 | 38 yrs | ₹4,512 | ₹58,656 |
| Year 14 | 39 yrs | ₹4,512 | ₹63,168 |
| Year 15 | 40 yrs | ₹4,512 | ₹67,680 |
| Year 16 | 41 yrs | ₹4,512 | ₹72,192 |
| Year 17 | 42 yrs | ₹4,512 | ₹76,704 |
| Year 18 | 43 yrs | ₹4,512 | ₹81,216 |
| Year 19 | 44 yrs | ₹4,512 | ₹85,728 |
| Year 20 | 45 yrs | ₹4,512 | ₹90,240 |
| Year 21 | 46 yrs | ₹4,512 | ₹94,752 |
| Year 22 | 47 yrs | ₹4,512 | ₹99,264 |
| Year 23 | 48 yrs | ₹4,512 | ₹1.04 L |
| Year 24 | 49 yrs | ₹4,512 | ₹1.08 L |
| Year 25 | 50 yrs | ₹4,512 | ₹1.13 L |
| Year 26 | 51 yrs | ₹4,512 | ₹1.17 L |
| Year 27 | 52 yrs | ₹4,512 | ₹1.22 L |
| Year 28 | 53 yrs | ₹4,512 | ₹1.26 L |
| Year 29 | 54 yrs | ₹4,512 | ₹1.31 L |
| Year 30 | 55 yrs | ₹4,512 | ₹1.35 L |
| Year 31 | 56 yrs | ₹4,512 | ₹1.40 L |
| Year 32 | 57 yrs | ₹4,512 | ₹1.44 L |
| Year 33 | 58 yrs | ₹4,512 | ₹1.49 L |
| Year 34 | 59 yrs | ₹4,512 | ₹1.53 L |
| Year 35 | 60 yrs | ₹4,512 | ₹1.58 L |
Total Contributed vs Nominee Corpus
Shows your total contribution accumulated over 35 years compared to the guaranteed indicative corpus returned to your nominee upon subscriber & spouse passing.
Atal Pension Yojana (APY): Building a Guaranteed Unorganized Sector Safety Net
Atal Pension Yojana (APY) is a flagship central government pension scheme targeting unorganized sector workers and young savers. By contributing modest monthly sums from ages 18 to 40, subscribers secure a lifelong guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 starting at age 60.
Atal Pension Yojana (APY) FAQs
Essential rules on enrollment eligibility and pension guarantees.
Can income tax payers enroll in Atal Pension Yojana?
Under government rules effective October 1, 2022, any citizen who is or has been an income tax payer is statutorily disqualified from enrolling in Atal Pension Yojana.
What happens to the APY pension if the subscriber passes away?
Upon the subscriber’s demise, the exact same monthly pension is paid to the spouse for life. After the demise of both subscriber and spouse, the entire accumulated pension corpus is returned to the designated nominee.
About Atal Pension Yojana (APY)
Atal Pension Yojana (APY) is a flagship social security scheme launched by the Government of India, administered by the Pension Fund Regulatory and Development Authority (PFRDA) through National Pension System (NPS) architecture. It targets unorganized sector workers and Indian citizens seeking a guaranteed monthly income stream after age 60.
Authoritative Sources & Regulatory References
- PFRDA — Official Atal Pension Yojana (APY) Master Circulars — Regulatory framework, entry age rules, and subscription tables.
- NSDL CRA — APY Subscriber Portal & Payout Chart — Auto-debit schedules and nominee claim procedures.
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