Estimate the monthly APY contribution for a ₹5,000 pension and scale for other pensions.
Please do not make financial decisions based on these results.
What is the Atal Pension Yojana Calculator?
Estimate the monthly APY contribution for a ₹5,000 pension and scale for other pensions. To use the Atal Pension Yojana Calculator, enter entry age, monthly pension at 60; it returns approximate monthly contribution, years of contribution, total contributed, and shows them instantly as you type.
Where the Atal Pension Yojana Calculator fits
Estimate the monthly APY contribution for a ₹5,000 pension and scale for other pensions. The main figure it returns is the Approximate monthly contribution, worked out from the values you enter.
It belongs with the other india & pakistan finance tools. If you are comparing options or checking a result from another angle, try the NPS Calculator for India, Sukanya Samriddhi Yojana Calculator or the EMI Calculator – Equated Monthly Installment.
How to use the Atal Pension Yojana Calculator
- Fill in the fields. You will need Entry age (18 to 40), Monthly pension at 60 (₹1,000 to ₹5,000). Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Approximate monthly contribution, and the cards below show Years of contribution, Total contributed. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the Atal Pension Yojana Calculator using the default values shown in the calculator above:
Inputs
| Entry age (18 to 40) | 25 |
|---|---|
| Monthly pension at 60 (₹1,000 to ₹5,000) | 5,000 |
Results
| Approximate monthly contribution | ₹376 |
|---|---|
| Years of contribution | 35 |
| Total contributed | ₹1,57,920 |
With these inputs the calculator returns Approximate monthly contribution: ₹376. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Entry age (18 to 40) from 25 to 30 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Approximate monthly contribution | ₹376 | ₹577 | +53.5% |
| Years of contribution | 35 | 30 | -14.3% |
| Total contributed | ₹1,57,920 | ₹2,07,720 | +31.5% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the Atal Pension Yojana Calculator reports Approximate monthly contribution, years of contribution and total contributed. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
Who can join Atal Pension Yojana?
Indian citizens aged 18 to 40 with a savings bank or post office account. Since October 1, 2022, people who are or have been income-tax payers cannot join.
Which Pakistan tax slabs are used?
The FY 2026-27 slabs enacted by the Finance Act 2026 (no surcharge on salary income), with the FY 2025-26 slabs and their 9% surcharge selectable for comparison.
Are PPF, EPF and SSY rates fixed?
No. The government revises small-saving rates quarterly and EPF yearly, so the rate is an input you can edit.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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