Retirement
APY Calculator
Atal Pension Yojana monthly contribution.
How to use this
Adjust the sliders and the result updates instantly. The figure uses standard formulas and current FY 2025-26 rates — treat it as an estimate to compare your options, then confirm the exact terms with your bank, fund or the department.
Monthly contribution
₹368
Pension corpus₹8.5L
Pay for35 yr
For a ₹5,000/month pension from age 60, contribute about ₹368/month from age 25. (Estimate — APY uses a fixed chart.)
Partner offer
Open an APY account
Guaranteed pension from age 60.
Know the scheme: Atal Pension Yojana (APY)
| Guaranteed pension | ₹1,000–₹5,000 per month from age 60, government-guaranteed |
| Join age | 18 to 40 years |
| Contributions | Auto-debited monthly until 60; amount depends on joining age and pension chosen |
| Eligibility | Since Oct 2022, only for those who are not income-tax payers |
| Family cover | Same pension to spouse after subscriber; corpus to nominee after both |
Key rules
- The earlier you join, the smaller the monthly contribution — at 18 it can be under ₹250 for the ₹5,000 pension.
- You can raise or lower the pension slab once a year.
- Exit before 60 is allowed only in exceptional cases (terminal illness, death).
Frequently asked
Is the APY Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the APY Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.