Atal Pension Yojana (APY): Contribution and Pension Calculator

Atal Pension Yojana (APY) offers a guaranteed monthly pension of ₹1,000 to ₹5,000 from the age of 60. Your monthly contribution depends on the pension you choose and your age at entry (18–40). The government co-contributes 50% of your contribution or ₹1,000 per year (whichever is lower) for 5 years if you are a non-taxpayer and not in any statutory pension scheme.

APY is opened through your bank (linked to your savings account). There is no lump-sum withdrawal at 60—you receive the pension for life. Premature exit is allowed only in exceptional cases; otherwise only your contributions (without interest) are returned.

Use our APY Calculator to see the estimated monthly contribution for your age and desired pension. See the calculator page for eligibility and rules.