Precise Atal Pension Yojana Calculator 2024 as Per APY Chart

If you have already joined the Atal Pension Scheme or interested in Applying, this Atal pension yojana calculator is surely going to help. As per the latest Atal pension scheme chart, we have created this accurate APY calculator that clearly lets you know the Monthly investment amount, Total invested amount and Installment duration for desired monthly pension or monthly income.

This simply means that based on how much monthly income you want from Atal pension yojana i.e. from 1000,2000,3000,4000 or 5000, you can find out how much monthly contribution needs to made. Also you can find out how much total amount you will be investing for the investment duration.

If you are interested in this scheme you can visit your Bank Branch (SBI, PNB, HDFC), Post Office or Apply online through NSDL portal.

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Atal Pension Yojana Calculator 2024

APY Pension Calculator

Your joining age 25 Years Desired monthly pension (in Rupees)

Monthly Investment: ₹ 76

Total Amount: ₹ 31,920

Investment Duration: 35 Years

How Does APY Calculator Work?

The APY Calculator is based on the Atal Pension yojana chart. The chart is a detailed document that clearly describes how much contribution shall interested person make according to his/her current age. You need to understand that the calculation will always be same no matter where you have opened your Atal pension yojana account.

Atal pension yojana calculator for post office will be same as atal pension yojana calculator for SBI, PNB or any other bank. So no need to look for specific calculators.

To get this calculator working, first you need to choose the joining age. Use the slider to choose your age. Then, you need to choose the Desired Monthly pension amount from the dropdown . Choose from 1000,2000,3000,4000 and 5000. As soon as you do that, the following results appear :

Monthly Investment

Total Amount

Investment Duration

Understanding Atal Pension Yojana Calculation by Example

if you select your joining age as 18 years, select desired Monthly pension as Rs. 1000, you get this result:

Monthly Investment: ₹ 42

Total Amount: ₹ 21168

Investment Duration: 42 Years

This means that after investing 42 Rs. per month for 42 years, you would have paid a total of 21,168 (plus contributions by the Government under this scheme). After you turn 60, you will receive a monthly pension of Rs. 1000 for the rest of your life.

Atal Pension Yojana Chart 2024

The Atal pension Yojana chart clearly informs you how much you need to invest based on the joining age and the desired monthly amount. Our calculator is based on the information from this chart only.

APY Subscribers' Contribution Chart

Rs. 1,000 Minimum Guaranteed Pension

Age	Vesting Period	Monthly	Quarterly	Half Yearly
18	42	42	125	248
19	41	46	137	271
20	40	50	149	295
21	39	54	161	319
22	38	59	176	348
23	37	64	191	378
24	36	70	209	413
25	35	76	226	449
26	34	82	244	484
27	33	90	268	531
28	32	97	289	572
29	31	106	316	626
30	30	116	346	685
31	29	126	376	744
32	28	138	411	814
33	27	151	450	891
34	26	165	492	974
35	25	181	539	1068
36	24	198	590	1169
37	23	218	650	1287
38	22	240	715	1416
39	21	264	787	1558

Rs. 2,000 Minimum Guaranteed Pension

Age	Vesting Period	Monthly	Quarterly	Half Yearly
18	42	84	250	496
19	41	92	274	543
20	40	100	298	590
21	39	108	322	637
22	38	117	349	690
23	37	127	378	749
24	36	139	414	820
25	35	151	450	891
26	34	164	489	968
27	33	178	530	1050
28	32	194	578	1145
29	31	212	632	1251
30	30	231	688	1363
31	29	252	751	1487
32	28	276	823	1629
33	27	302	900	1782
34	26	330	983	1948
35	25	362	1079	2136
36	24	396	1180	2337
37	23	436	1299	2573
38	22	480	1430	2833
39	21	528	1574	3116

Rs. 3,000 Minimum Guaranteed Pension

Age	Vesting Period	Monthly	Quarterly	Half Yearly
18	42	126	376	744
19	41	138	411	814
20	40	150	447	885
21	39	162	483	956
22	38	177	527	1046
23	37	192	572	1133
24	36	208	620	1228
25	35	226	674	1334
26	34	246	733	1452
27	33	268	799	1582
28	32	292	870	1723
29	31	318	948	1877
30	30	347	1034	2048
31	29	379	1129	2237
32	28	414	1234	2443
33	27	453	1350	2673
34	26	495	1475	2921
35	25	543	1618	3205
36	24	594	1770	3506
37	23	654	1949	3860
38	22	720	2146	4249
39	21	792	2360	4674

Rs. 4,000 Minimum Guaranteed Pension

Age	Vesting Period	Monthly	Quarterly	Half Yearly
18	42	168	501	991
19	41	183	545	1080
20	40	198	590	1169
21	39	215	641	1269
22	38	234	697	1381
23	37	254	757	1499
24	36	277	826	1635
25	35	301	897	1776
26	34	327	975	1930
27	33	356	1061	2101
28	32	388	1156	2290
29	31	423	1261	2496
30	30	462	1377	2727
31	29	504	1502	2974
32	28	551	1642	3252
33	27	602	1794	3553
34	26	659	1964	3889
35	25	722	2152	4261
36	24	792	2360	4674
37	23	870	2593	5134
38	22	957	2852	5648
39	21	1054	3141	6220

Rs. 5,000 Minimum Guaranteed Pension

Age	Vesting Period	Monthly	Quarterly	Half Yearly
18	42	210	626	1239
19	41	228	679	1346
20	40	248	739	1464
21	39	269	802	1588
22	38	292	870	1723
23	37	318	948	1877
24	36	346	1031	2042
25	35	376	1121	2219
26	34	409	1219	2414
27	33	446	1329	2632
28	32	485	1445	2862
29	31	529	1577	3122
30	30	577	1720	3405
31	29	630	1878	3718
32	28	689	2053	4066
33	27	752	2241	4438
34	26	824	2456	4863
35	25	902	2688	5323
36	24	990	2950	5843
37	23	1087	3239	6415
38	22	1196	3564	7058
39	21	1318	3928	7778

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Atal Pension Yojana, APY Calculated Related FAQs

What is the Atal Pension Yojana (APY)?

Atal Pension Yojana (APY) is a pension scheme launched by the Government of India to provide a guaranteed monthly pension to workers in the unorganized sector upon reaching the age of 60.

Who is eligible to join the APY scheme?

Any Indian citizen between the ages of 18 and 40 with a savings bank account is eligible to join the APY scheme.

How much Monthly Income can beneficiaries get from APY?

The scheme provides a fixed monthly pension ranging from Rs. 1,000 to Rs. 5,000, depending on the contributions made by the subscriber during the accumulation phase.

What is the minimum period of contribution under APY?

The minimum period of contribution is 20 years.

How is the monthly contribution amount calculated in the APY scheme?

The monthly contribution amount is determined based on the age at which the subscriber joins the scheme and the desired pension amount. Younger subscribers pay lower contributions compared to older subscribers to achieve the same pension amount.

What is the maximum guaranteed pension under the APY scheme?

The maximum guaranteed pension under the APY scheme is Rs. 5,000 per month.

What are the payment terms of installments?

You can pay monthly, quarterly or half-yearly.

If somebody joins at the age of 30, what would be the contribution amount?

Rs. 1,000 pension: Rs. 116 per month
Rs. 2,000 pension: Rs. 231 per month
Rs. 3,000 pension: Rs. 347 per month
Rs. 4,000 pension: Rs. 462 per month
Rs. 5,000 pension: Rs. 577 per month

How does the government contribute to this scheme?

The Government co-contributes 50% of the total contribution or Rs. 1,000 per annum (whichever is lower) for a period of 5 years to eligible subscribers.

For how many years, will i keep getting pension under this scheme?

Under this scheme, after attaining the age of 60, the subscriber gets the pension (monthly income) till his lifetime.

Quick Links

Atal Pension Scheme Details by NSDL	Click Here
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