Atal Pension Yojana Calculator 2026: monthly contribution
Pay Rs. 210 a month and get a guaranteed Rs. 5,000 monthly pension after 60. Pick your age and pension amount to see the contribution.
How APY works
Contributions are auto-debited from your bank account. The pension starts after 60 and continues for life. After you, your spouse receives the same pension, and after both, the nominee receives the lump sum corpus.
Start early, pay less: Rs. 210 a month at 18 versus Rs. 1,454 a month at 40 for the same Rs. 5,000 pension.
Key rules
- Age 18 to 40 with a bank account
- Auto-debit only, no manual payments
- Pension of Rs. 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month
- Same pension for the spouse, corpus to the nominee
- Income tax payers joining after October 2022 are not eligible
- Early exit returns less than 80% of the contributions
Frequently asked questions
Can I exit APY midway?
Yes, but you get back only about 80% of your contributions. It is better to continue.
Can I hold both APY and NPS?
Yes. They are separate schemes and can be held together.
Can an income tax payer join?
New income tax payers cannot join APY after 1 October 2022. Existing members should continue.
Is the APY pension taxable?
Yes. The pension is added to your income and taxed at your slab rate.
More calculators
Source: Ministry of Finance / India Post, rates Q4 FY2025-26, subject to quarterly revision. Results are indicative; confirm final figures with your bank or post office.