Atal Pension Yojana Calculator — Government Pension for Rs 42/month — India 2026
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.
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.
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NPS / Pension Calculator
Understanding Your Investment Returns
This calculator projects your returns using compound interest, where your earnings generate their own earnings over time. The power of compounding means that even small regular investments can grow into substantial wealth over long periods. For example, investing just Rs 5,000 per month at 12% expected returns for 25 years can grow to over Rs 1 crore — of which only Rs 15 lakh is your own money and Rs 85 lakh is compounding returns. The key factors that determine your final corpus are: the amount invested, the rate of return, the duration of investment, and the frequency of compounding.
Important Considerations
Past returns do not guarantee future performance, especially for market-linked instruments like mutual funds and equities. The returns shown are estimates based on the rate you enter. Equity investments carry market risk but have historically delivered 12-15% CAGR over 15+ year periods in India. Fixed income options like PPF (7.1%) and FD (6-7.5%) offer lower but more predictable returns. Diversifying across asset classes — equity, debt, gold, and real estate — reduces overall portfolio risk while optimizing returns for your risk tolerance.
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 |
Calculate your APY pension
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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.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your principal. Over long periods, this creates exponential growth — even small regular investments can grow into substantial wealth over 15-25 years.
Is SIP better than lumpsum investment?
SIP invests a fixed amount monthly, averaging out market volatility through rupee cost averaging. Lumpsum works better when markets are low. For most investors, SIP builds discipline and removes the need to time the market.
How much should I invest monthly to become a crorepati?
At 12% expected returns, a monthly SIP of Rs 5,000 for 30 years grows to approximately Rs 1.76 crore. Increasing your SIP by 10% annually makes the corpus even larger. Start early, stay consistent.
Are investment returns taxable?
PPF returns are tax-free. Equity mutual fund LTCG above Rs 1.25 lakh/year is taxed at 12.5%. FD interest is taxed at your slab rate. NPS offers an additional Rs 50,000 deduction under 80CCD(1B).
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Last updated: March 2026