Joining at 25 for ₹5,000
The chart sets ₹376 a month for 35 years, so you pay ₹1,57,920 in total for a ₹5,000 monthly pension from 60.
Atal Pension Yojana (APY) calculator
5 thousand₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000.
Monthly contribution
₹376
For 35 years: ₹1,57,920 in total.
- Pension from 60
- ₹5,000/month
- Corpus to nominee
- ₹8,50,000
Joining early costs far less
The ₹5,000 pension costs ₹210 a month from 18 but ₹1,454 from 40. For salaried savings, compare the EPF calculator.
Sources
What this calculator does not account for
- Quarterly or half-yearly payment, which costs slightly more in total.
- Late-payment charges and account freezing for missed contributions.
- Inflation: ₹5,000 at 60 will buy much less than today.
How this is calculated
Formula: Contribution from the PFRDA chart
total paid =monthly contribution × 12 × (60 − age)What the symbols mean
- ageYour age when you join, 18 to 40.
- pension₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 a month, guaranteed from 60.
Good to know
- The pension is guaranteed by the government. The corpus returned to the nominee is indicative: ₹1.7 lakh for each ₹1,000 of pension.
- Since 1 October 2022, income-tax payers cannot join APY.
Read the full methodologyFound an error? Contact us
Worked examples
Each example is worked out by the same code as the calculator above.
Joining at 35 instead
At 35 the same pension costs ₹902 a month for 25 years, or ₹2,70,600 in total.
Embed this calculator
The frame shows the tool only.
<iframe src="/embed/atal-pension-yojana" title="Atal Pension Yojana" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
What do I pay for ₹5,000 a month at 25?
₹376 a month until 60, which is ₹1,57,920 over 35 years.
Who can join APY?
Indian citizens aged 18 to 40 with a savings account, who do not pay income tax.
What happens after the subscriber dies?
The spouse gets the same pension for life. After both, the nominee receives the corpus: ₹8.5 lakh on a ₹5,000 plan.