Illustrate contributions and selected guaranteed-pension tier without implying eligibility. Change every input and see the estimate update immediately.
Your estimate
₹580
Required monthly APY contribution
Contribution years
30
Estimated total contributions
₹2,08,800
Selected annual pension
₹60,000
Contribution values follow the official age-and-pension contribution table; verify enrolment eligibility before applying.
Educational estimate only. Methodology 2026.08. This is not a return promise, loan offer, tax filing or financial recommendation.
Understanding the calculator
Atal Pension Yojana Calculator turns the assumptions shown above into an educational estimate. It exposes the inputs, method and limitations instead of presenting an unexplained answer.
Illustrate contributions and selected guaranteed-pension tier without implying eligibility. The result updates locally as an input changes, making it useful for scenario comparison rather than prediction.
Methodology
Worked example. Use the default APY scenario as a starting point, then adjust each field to match your own assumptions.
Rule basis
Effective 2026-04-01. Reviewed 2026-08-10.
Review again after 2027-03-31.
Policy-linked estimates can become stale. Confirm current eligibility, rates, limits and filing treatment before acting.
The entry-age range is 18 to 40, and current rules restrict specified income-tax-paying new subscribers. Confirm eligibility before enrolment.
No. APY uses official guaranteed pension tiers and an age-based contribution table rather than a free-form pension amount.
It is an educational tool that applies the disclosed APY illustration method to the assumptions you enter.
No. Results are estimates, not forecasts, approvals, quotations or guarantees.
Testing conservative and optimistic inputs exposes uncertainty instead of hiding it behind one number.
Only when a tax or fee is shown as an explicit input or result. Otherwise it is excluded.
The mathematics follows the stated methodology, while real outcomes depend on rates, timing, rules, fees and circumstances.
No. Use it for education and scenario comparison, then verify decisions with official documents or a qualified professional.
Inflation translates a future amount into approximate present-day purchasing power. The default 6% is editable and is not a forecast.
Recalculate when rates, income, contributions, rules, goals or repayment terms change.
Yes. Institutions may use different compounding dates, rounding, charges and eligibility rules.
No. Calculations run locally in your browser and the input values are not sent to a calculation server.
Continue calculating