NetReturns

Atal Pension Yojana calculator

A guaranteed pension of ₹1,000 to ₹5,000 a month from 60, for a fixed monthly payment until then.

Only for people aged 18 to 40 who don't pay income tax, and never have.

yrs
Pension you want, a month
yrs
Yours, then your spouse's. After that the corpus goes to your nominee. Only used for the return a year.
You pay every month until 60

₹376 a month

For ₹5,000 a month from 60. That's ₹1,57,920 over 35 years; then ₹12.00 L of pension to age 80, and ₹8.50 L to your nominee.
You pay in all
₹1.58 L
Pension to 80
₹12.00 L
To your nominee
₹8.50 L

7.93% a yearafter tax

What you've paid in, and the pension received, by yearPaid inEarned

The official contribution chart

Joining at 25, you'd pay ₹76 for ₹1,000, ₹151 for ₹2,000, ₹226 for ₹3,000, ₹301 for ₹4,000, ₹376 for ₹5,000 a month.

See every age (18 to 40)
Joining age₹1,000 pension₹2,000 pension₹3,000 pension₹4,000 pension₹5,000 pension
18₹42₹84₹126₹168₹210
19₹46₹92₹138₹183₹228
20₹50₹100₹150₹198₹248
21₹54₹108₹162₹215₹269
22₹59₹117₹177₹234₹292
23₹64₹127₹192₹254₹318
24₹70₹139₹208₹277₹346
25₹76₹151₹226₹301₹376
26₹82₹164₹246₹327₹409
27₹90₹178₹268₹356₹446
28₹97₹194₹292₹388₹485
29₹106₹212₹318₹423₹529
30₹116₹231₹347₹462₹577
31₹126₹252₹379₹504₹630
32₹138₹276₹414₹551₹689
33₹151₹302₹453₹602₹752
34₹165₹330₹495₹659₹824
35₹181₹362₹543₹722₹902
36₹198₹396₹594₹792₹990
37₹218₹436₹654₹870₹1,087
38₹240₹480₹720₹957₹1,196
39₹264₹528₹792₹1,054₹1,318
40₹291₹582₹873₹1,164₹1,454
To nominee₹1.70 L₹3.40 L₹5.10 L₹6.80 L₹8.50 L

Source: Atal Pension Yojana scheme details, Annex 1, monthly contributions until 60.

Good to know

  • Open to Indian citizens aged 18 to 40 with a bank or post office savings account. Since 1 October 2022, anyone who is or has been an income-tax payer can't join.
  • The pension is guaranteed by the Government. After you, your spouse gets the same pension for life, and then ₹1.7 to ₹8.5 lakh (by pension level) goes to your nominee.
  • The contribution is taken from your bank account automatically. Pay late and the bank adds ₹1 a month for every ₹100 due. If payments keep stopping, charges come out of your balance, and the account closes when it reaches zero.
  • You can raise or lower your pension level once a year until 60.
  • You can leave before 60, but then you get back what you put in plus what it actually earned, less charges, not the guaranteed pension.