Atal Pension Yojana Calculator – APY Contribution & Pension 2026

calculate APY Calculator

Your Current Age (18–39 Years)

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Desired Monthly Pension

Contribution Frequency

Monthly Contribution Required

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Years to Contribute

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Total Contribution

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Guaranteed Monthly Pension

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Annual Pension

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Corpus at Age 60

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Nominee Gets (on death)

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Frequently Asked Questions

What is Atal Pension Yojana (APY)?expand_more

APY is a government-backed pension scheme for unorganized sector workers. Subscribers aged 18–40 get a guaranteed monthly pension of ₹1,000–₹5,000 from age 60 based on their contributions. It is regulated by PFRDA.

Who is eligible for APY?expand_more

Any Indian citizen aged 18–40 with a bank account can join APY. However, taxpayers are not eligible since October 2022. Existing subscribers who become taxpayers after joining can continue.

What happens to APY on death?expand_more

On subscriber death before 60: spouse can continue APY or get the corpus. On subscriber death after 60: spouse gets the same pension. On death of both: nominee gets the accumulated corpus (₹1.7L–₹8.5L depending on pension slab).

Can I increase my APY pension amount?expand_more

Yes. You can upgrade or downgrade your pension slab once per year during April. The contribution changes accordingly based on your current age and new desired pension amount.

Atal Pension Yojana (APY) Calculator

Frequently Asked Questions