APY (Atal Pension Yojana) Calculator

How to Use APY Calculator

1. Select your joining age. Pick any age between 18 and 40. The earlier you join, the lower your monthly contribution for the same pension.
2. Choose your desired monthly pension. Options range from ₹1,000 to ₹5,000 per month. The contribution amount changes based on this choice and your age.
3. Click Calculate. The tool looks up the official APY contribution table and displays your exact monthly contribution.
4. Review the summary. You’ll also see the total contribution you will make until age 60, and the approximate corpus payable to the nominee, which varies by pension level.

Benefits of APY Calculator

• Embeds the official Government of India APY contribution table, so the numbers match exactly what your bank or post office will debit.
• Shows the long‑term commitment — total contributions until age 60 — helping you understand the full cost of the guaranteed pension.
• The full table displayed on the page lets you compare contributions across all ages and pension levels at a glance.
• Works offline once loaded; no personal data is collected or stored.

Frequently Asked Questions

What happens if I miss an APY contribution?

A penalty of ₹1 per month is levied for each missed monthly contribution. If the account remains underfunded, it may be closed. Regular auto‑debit from your bank account is the safest way to keep it active.

Can I increase my pension amount after enrolling?

Yes, you can upgrade to a higher pension slab once during the tenure of the scheme. You will need to pay the revised contribution from that point onwards.

Is APY only for people in the unorganised sector?

No, any Indian citizen with a savings bank account, aged 18‑40, can join APY. However, the government co‑contribution is available only to non‑income‑tax payers who enrolled before the cut‑off date.

Is APY Calculator free and private?

Yes — it is 100% free, needs no sign‑up, and everything runs in your browser; your data never leaves your device.