Prepared by Finin2min Editorial Desk · Rates and rules verified 5 October 2026
Pick your age and the pension you want at 60 — ₹1,000 to ₹5,000 a month — and see the official monthly contribution, how long you pay, what the scheme returns to your nominee and the return it implies.
Atal Pension Yojana is a PFRDA-run pension scheme for unorganised-sector workers. You choose a guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 from age 60. The monthly contribution is fixed by your joining age and chosen pension and does not change. The younger you join, the lower the contribution: for a ₹5,000 pension it is ₹210 at age 18 and ₹1,454 at age 40.
On the subscriber’s death the spouse continues to receive the same pension; after both, the nominee receives the accumulated pension wealth (₹1.7 lakh for a ₹1,000 pension up to ₹8.5 lakh for ₹5,000).
| Joining age | Years of contribution | ₹1,000 | ₹2,000 | ₹3,000 | ₹4,000 | ₹5,000 |
|---|---|---|---|---|---|---|
| 18 | 42 | ₹42 | ₹84 | ₹126 | ₹168 | ₹210 |
| 20 | 40 | ₹50 | ₹100 | ₹150 | ₹198 | ₹248 |
| 25 | 35 | ₹76 | ₹151 | ₹226 | ₹301 | ₹376 |
| 30 | 30 | ₹116 | ₹231 | ₹347 | ₹462 | ₹577 |
| 35 | 25 | ₹181 | ₹362 | ₹543 | ₹722 | ₹902 |
| 40 | 20 | ₹291 | ₹582 | ₹873 | ₹1,164 | ₹1,454 |
The calculator holds the full chart for every age from 18 to 40.
Joining at 25 for a ₹5,000 pension: contribution ₹376 a month for 35 years = ₹1,57,920 paid in. The scheme then pays ₹5,000 a month for life and returns ₹8.5 lakh to the nominee. If you draw pension for 22 years, the implied return on your contributions is about 7.9% a year. In today’s money, ₹5,000 at 60 with 6% inflation is worth about ₹651.
It depends on your joining age: ₹210 a month at 18, ₹376 at 25, ₹577 at 30, ₹902 at 35 and ₹1,454 at 40. The calculator shows the exact amount for your age.
No. From 1 October 2022 anyone who is or has been an income-tax payer cannot open a new APY account.
The spouse gets the same pension for life. After the death of both, the nominee receives the accumulated corpus (₹1.7 lakh to ₹8.5 lakh depending on the pension).
Yes, once a year in April you can increase or decrease the pension amount, and the contribution is revised accordingly.
The pension is guaranteed by the Government of India for the contribution chart. The implied return shown here is an estimate based on how long you draw pension.
Rates and rules shown here were checked against the sources above on 5 October 2026. Government notifications can change a rate or rule at short notice; always confirm on the official site before you invest, file or claim.
Educational estimate only. Tax, legal, financial or regulatory treatment depends on facts and the law applicable to the relevant period. Verify the current official source or obtain professional advice before acting.
Scope: Official APY contribution for a joining age and pension level, with totals, nominee corpus and an implied-return estimate.
The calculation engine was checked against an independently written reference implementation across 230 APY input combinations, and against published figures where the scheme publishes them. Review date: 5 October 2026.
Prepared by Finin2min Editorial Desk. Educational estimate only.
Background, worked examples and the rules behind these numbers.