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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Invest ₹6,000/month & Get Tax Free Monthly Pension of ₹60,000

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Disclaimer: ##Rs 60,000 are the monthly pension amounts at the assumed rate of return of 8% p.a. and 4% p.a. for unit linked insurance plans. This is an illustrative example and the returns are not guaranteed & dependent on the policy term and premium term availed along with the other variable factors. The market linked return of 60K per month is for an 18 year old investing 6k per month for 20 years in a whole life policy having policy term 82 years in which Systematic partial withdrawals start at the age of 65 years at 5% rate of withdrawal per year. The investment risk in the policy is borne by the policyholder. All Plans listed here are of insurance companies’ funds. *Tax benefits and savings are subject to changes in tax laws. All Plans listed here are of insurance companies’ funds. Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Pension Calculator

How much do you need to save for retirement?

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₹ What is your current monthly expense?

₹ 20,000

₹ 25,000

₹ 30,000

You want to start pension from which age?

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For a monthly pension of ₹77,300
you need to invest

₹14,300/month

Calculated as per past performance of 15%

Recalculate?

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

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

Complete your financial analysis using the SIP Calculator.

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

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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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

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

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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.

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^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.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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.