Atal Pension Yojana Calculator - APY Calculator

The contribution made towards the Atal Pension Yojana Scheme depends on the amount of pension you want to receive after retirement and at what age you are subscribing to the scheme. The Atal Pension Yojana Calculator is a financial tool, which can be used to calculate the returns.

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Launched by the government of India, the main objective of the scheme is to provide a regular income to the individuals post their retirement i.e after 60 years of age. Under Atal Pension Yojana the subscribers can choose for a fixed monthly pension. The different options of fixed monthly pension available are Rs.1,000, Rs.2,000, Rs.4,000 & Rs.5,0000.

Calculation Tables of Atal Pension Scheme

  1. Atal Pension Scheme Calculator for a donation for Rs. 1000:

    If Atal Pension Yojana subscriber picks to receive a fixed pension on a monthly basis of Rs. 1000, then the sum that will be debited from the bank account of the subscriber will be between Rs. 42 and Rs. 291. After the demise of the subscriber and the spouse, the nominee comes in force to receive Rs. 1, 70, 000 according to the calculation plan of Atal Pension Yojana.

    Joining Age (Years) Contribution Period (Years) Monthly Contribution (INR) Fixed Monthly Pension to Subscriber/Spouse (INR) Return of Corpus to the nominee (INR)
    18 42 42.00 1,000 1.7 Lakh
    20 40 50.00 1,000 1.7 Lakh
    25 35 76.00 1,000 1.7 Lakh
    30 30 116.00 1,000 1.7 Lakh
    35 25 181.00 1,000 1.7 Lakh
    40 20 291.00 1,000 1.7 Lakh
  2. Atal Pension Scheme Calculator for a donation for Rs. 2000:

    If Atal Pension Yojana subscriber picks to receive a fixed pension on a monthly basis of Rs. 2000, then the sum that will be debited from the bank account of the subscriber will be between Rs. 84 and Rs. 582. After the demise of the subscriber and the spouse, the nominee comes in force to receive Rs. 3, 40, 000 according to the calculation plan of Atal Pension Yojana.

    Joining Age (Years) Contribution Period (Years) Monthly Contribution (INR) Fixed Monthly Pension to Subscriber/Spouse (INR) Return of Corpus to the nominee (INR)
    18 42 84.00 2,000 3.4 Lakh
    20 40 100.00 2,000 3.4 Lakh
    25 35 151.00 2,000 3.4 Lakh
    30 30 231.00 2,000 3.4 Lakh
    35 25 362.00 2,000 3.4 Lakh
    40 20 582.00 2,000 3.4 Lakh
  3. Atal Pension Scheme Calculator for a donation for Rs. 3000:

    If Atal Pension Yojana subscriber picks to receive a fixed pension on a monthly basis of Rs. 3000, then the sum that will be debited from the bank account of the subscriber will be between Rs. 126 and Rs. 873. After the demise of the subscriber and the spouse, the nominee comes in force to receive Rs. 5, 10, 000 according to the calculation plan of Atal Pension Yojana.

    Joining Age (Years) Contribution Period (Years) Monthly Contribution (INR) Fixed Monthly Pension to Subscriber/Spouse (INR) Return of Corpus to the nominee (INR)
    18 42 126.00 3,000 5.1 Lakh
    20 40 150.00 3,000 5.1 Lakh
    25 35 226.00 3,000 5.1 Lakh
    30 30 347.00 3,000 5.1 Lakh
    35 25 543.00 3,000 5.1 Lakh
    40 20 873.00 3,000 5.1 Lakh

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  4. Atal Pension Scheme Calculator for a donation for Rs. 4000:

    If Atal Pension Yojana subscriber picks to receive a fixed pension on a monthly basis of Rs. 4000, then the sum that will be debited from the bank account of the subscriber will be between Rs. 168 and Rs. 1164. After the demise of the subscriber and the spouse, the nominee comes in force to receive Rs. 6, 80, 000 according to the calculation plan of Atal Pension Yojana.

    Joining Age (Years) Contribution Period (Years) Monthly Contribution (INR) Fixed Monthly Pension to Subscriber/Spouse (INR) Return of Corpus to the nominee (INR)
    18 42 168.00 4,000 6.8 Lakh
    20 40 198.00 4,000 6.8 Lakh
    25 35 301.00 4,000 6.8 Lakh
    30 30 462.00 4,000 6.8 Lakh
    35 25 722.00 4,000 6.8 Lakh
    40 20 1164.00 4,000 6.8 Lakh
  5. Atal Pension Scheme Calculator for a donation for Rs. 5000:

    If Atal Pension Yojana subscriber picks to receive a fixed pension on a monthly basis of Rs. 5000, then the sum that will be debited from the bank account of the subscriber will be between Rs. 210 and Rs. 1454. After the demise of the subscriber and the spouse, the nominee comes in force to receive Rs. 6, 80, 000 according to the calculation plan of Atal Pension Yojana.

    Joining Age (Years) Contribution Period (Years) Monthly Contribution (INR) Fixed Monthly Pension to Subscriber/Spouse (INR) Return of Corpus to the nominee (INR)
    18 42 210.00 5,000 8.5 Lakh
    20 40 248.00 5,000 8.5 Lakh
    25 35 376.00 5,000 8.5 Lakh
    30 30 577.00 5,000 8.5 Lakh
    35 25 902.00 5,000 8.5 Lakh
    40 20 1454.00 5,000 8.5 Lakh

People also read: NPS Calculator

Atal Pension Yojana Interest Rate

The subscribers of Atal Pension Yojana have to abide by additional charges, overdue interest for non-payments, and delayed payments of the amount of monthly contribution, from time to time. Such charges will be imposed and applied as per the norms of the PERDA (Pension Fund Regulatory and Development Authority), with permission from the Indian Government.

Charges and Fees to maintain an account of Atal Pension Yojana:

Intermediary Charges
Point of Presence APY Subscriber Registration Rs. 120-Rs. 150 depending on the number of subscribers
Recurring Charges per annum Rs. 100/subscriber
Central Record-keeping Agencies APY Account opening charges Rs. 15/account
Account Maintenance Charges Rs. 40/account/annum
Custodian InvestmentMaintenance Fee (per annum) 0.0075% for electronics/0.05% for physical segment of AUM
Pension Fund Managers Investment Maintenance Fee (per annum) 0.0102% of AUM

Atal Pension Yojana Calculator FAQs

  • Why should I use the Atal Pension Yojana calculator?

    APY calculator is an online tool available for everyone’s use. Here are some reasons why you should use APY calculator before making final contribution to the scheme:
    • Tells you monthly, quarterly, and half-yearly contributions based on the data you have entered
    • Illustrates pension or lumpsum amount that you can get at maturity
    • Modify different particulars to choose the best suitable amount
    • Free of charge to use
  • What particulars are factored in on the Atal Pension Yojana calculator to know my expected monthly pension?

    You can calculate your final pension or the lumpsum amount by entering the following particulars:
    • Age
    • Pension amount requirement (per month)
    • Total years of contribution
    • Return of investment
    • Expected pension wealth
    • Annuity rate
    APY calculator is an easy-to-use online tool that calculates your expected monthly pension amount.
  • I have already subscribed to the NPS scheme. Do I still have to subscribe to the APY scheme?

    Yes. There is no particular need to have an NPS scheme for subscribing to the Atal Pension Yojana. You can have a subscription to either both or one of the schemes per your convenience and affordability.
  • How do I set up my APY account?

    To open an APY account, you must be a holder of any savings bank account or post-office savings account. You have to make a minimum contribution as defined by the bank or post office to open an APY account. Further, you must continue making the contributions as per your chosen interval to receive scheme benefits at maturity.
  • What are the eligibility criteria for subscribing to the APY scheme?

    Any Indian citizen or NRI between 18 to 40 years of age is eligible to open an APY account. In addition, the person must also hold a post office savings account or savings bank account to open to set up their APY account.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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