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About this tool
Find the exact APY monthly contribution for a ₹1,000–₹5,000 pension slab based on your joining age, plus total outgo and nominee corpus.
This Atal Pension Yojana calculator returns the exact monthly contribution PFRDA will auto-debit from your bank account for the ₹1,000 to ₹5,000 guaranteed pension slabs, using the official APY contribution chart for every joining age from 18 to 40. It also totals what you will pay over the full accumulation period up to age 60 and shows the corpus your nominee receives after you and your spouse. It is built for unorganised-sector workers, gig workers and small business owners comparing slabs before filling the APY enrolment form at their bank or post office.
Open Atal Pension Yojana Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Contribution amounts come straight from the government APY table for each entry age and slab.
Total contributions until 60 and the months of pension needed to recover them are shown together.
One table shows monthly outgo, total paid and nominee corpus for ₹1,000 through ₹5,000.
It depends entirely on your age when you join. At 18 it is ₹210 a month, at 25 it is ₹376, at 30 it is ₹577 and at 40 it is ₹1,454 — the later you start, the fewer years your money compounds.
Any Indian citizen aged 18 to 40 with a savings bank or post office account and a valid mobile number for Aadhaar-based verification. Since 1 October 2022, anyone who is or has been an income-tax payer is not eligible to enrol.
After the subscriber and the spouse have both passed away, the nominee receives the accumulated corpus: ₹1.70 lakh for the ₹1,000 slab, ₹3.40 lakh for ₹2,000, ₹5.10 lakh for ₹3,000, ₹6.80 lakh for ₹4,000 and ₹8.50 lakh for the ₹5,000 slab.
Yes. Subscribers can upgrade or downgrade the pension slab once per financial year, and the bank adjusts the contribution — collecting or refunding the difference — based on the same PFRDA chart for your original entry age.
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