Atal Pension Yojana Calculator — Government Pension for Rs 42/month
Calculate Atal Pension Yojana contributions and guaranteed pension. Get Rs 1000-5000 monthly pension after 60 by investing as little as Rs 42/month.
Atal Pension Yojana is a government-backed pension scheme for unorganized sector workers in India guaranteeing a fixed monthly pension of Rs 1000 to Rs 5000 after age 60. The earlier you join the lower your monthly contribution. An 18-year-old can secure Rs 5000 monthly pension for life by investing just Rs 210/month while a 35-year-old pays Rs 902/month for the same pension. The scheme provides a guaranteed return backed by the Government of India.
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Key Information
| Parameter | Details |
|---|---|
| Minimum Pension | Rs 1000 per month (after age 60) |
| Maximum Pension | Rs 5000 per month (after age 60) |
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 40 years |
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Use Calculator NowFrequently Asked Questions
How much pension do I get from APY?
Your pension depends on your chosen plan: Rs 1000 Rs 2000 Rs 3000 Rs 4000 or Rs 5000 per month guaranteed after age 60 for life. Your spouse continues receiving the same pension after your death. After both pass away the accumulated corpus (Rs 1.7L to Rs 8.5L depending on plan) is paid to nominees. The pension amount is fixed and guaranteed by the government.
What is APY contribution for Rs 5000 pension?
For Rs 5000 monthly pension after 60: joining at age 18 costs Rs 210/month. Age 25 costs Rs 376/month. Age 30 costs Rs 577/month. Age 35 costs Rs 902/month. Age 40 costs Rs 1454/month. The difference shows why starting early is crucial. An 18-year-old pays Rs 105840 total over 42 years while a 40-year-old pays Rs 348960 over 20 years for the same Rs 5000 pension.
Can I withdraw from APY before 60?
Premature withdrawal is only allowed in exceptional circumstances like terminal illness. Voluntary exit before 60 returns only your contributions plus actual returns (not guaranteed pension). After age 60 you receive guaranteed pension for life. If you stop contributing the account may be frozen and eventually closed. APY is designed as a long-term commitment to retirement income.
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Last updated: 24 March 2026