Atal Pension Yojana Calculator

Calculate APY monthly contributions, pension benefits, and government co-contribution for retirement planning

Monthly Contribution Required

₹0 Monthly Contribution
₹0 Your Contribution
₹0 Govt Co-contribution
Contribution Period: 0 years
Total Contributions: ₹0
Pension Starts At: 60 years

Your Pension Plan

₹0 Monthly Pension at 60
₹0 Total Investment
₹0 Corpus at 60
Contribution Years: 0 years
Annual Pension: ₹0
Corpus Required: ₹0

Lifetime Benefits

₹0 Total Pension Received
₹0 Your Total Investment
0x Return Multiple
Pension Years: 0 years
Annual Pension: ₹0
Net Benefit: ₹0

How to Use the Atal Pension Yojana Calculator

Our comprehensive Atal Pension Yojana (APY) calculator helps you plan your retirement with India's government-backed pension scheme:

💰 Monthly Contribution Calculator

Calculate the exact monthly contribution required based on your current age and desired pension amount. See how government co-contribution reduces your burden for the first 5 years.

📊 Pension Planner

Determine what monthly pension you can expect based on your current contribution capacity. Plan your retirement income based on your budget.

🎯 Benefits Calculator

Calculate total lifetime benefits and return on your investment. See how APY provides guaranteed pension income with spouse and nominee benefits.

APY features: Guaranteed pension, government co-contribution for eligible subscribers, tax benefits under 80CCD, and spouse continuation benefits.

Frequently Asked Questions

Who is eligible for Atal Pension Yojana?
Indian citizens aged 18-40 years with a bank account can join APY. The subscriber must not be covered by any statutory social security scheme and must not be an income tax payer.
What is the government co-contribution in APY?
The Government co-contributes 50% of the subscriber's contribution or ₹1,000 per annum, whichever is lower, for first 5 years, for those who are not income tax payers.
Can I change my pension amount after joining APY?
Yes, subscribers can increase or decrease their pension amount once in a financial year in the months of April, May, June, and July, subject to completing the differential contributions.
What happens if I discontinue APY before 60?
If you exit before 60, you will get back only the contributions made along with the net actual interest earned (or loss), minus the government co-contribution and interest earned on it.
Are APY benefits taxable?
Contributions to APY are eligible for tax deduction under Section 80CCD(1) up to 10% of salary/income. However, the pension received from APY is taxable as per income tax provisions.