Atal Pension Yojana Calculator

Your joining age


Desired Monthly Pension

Monthly Investment


Investment Duration


Total Amount


What is Atal Pension Yojana Calculator?

Atal Pension Yojana (APY) is a Government of India-backed voluntary pension scheme that was introduced in the Union Budget of 2015–2016. The scheme primarily aims to provide post-retirement financial security to individuals working in the unorganised sector. You can make a monthly contribution of up to ₹5,000 and get a guaranteed pension per month after the age of 60. Employees in the private sector without access to pension benefits are also eligible.

You can use Navi’s APY Calculator to calculate the actual interest earned on investments. It would help you determine how much contribution you should make towards the scheme and when you should start investing in the scheme to get the desired pension upon retirement.

How Does Atal Pension Yojana Calculator Work?

The APY calculator is based on compounding frequency, which determines the number of times the accumulated interest is paid out. With the help of an APY calculator, you would be able to understand how much monthly contribution you have to make to get the desired pension. Additionally, you would be able to view the total contribution you would end up contributing toward the scheme till you are 60.

Use the Navi APY Calculator to plan your Atal Pension Yojana investments. The online APY calculator is extremely simple and easy to use.

Here’s how the APY calculator works:

Select your age on the calculator

Use the slide bar and select your age based on the time you plan to start or have started investing in the APY scheme.

Select the desired monthly pension

Choose the amount you would want to receive post-retirement.

When you select all of these requirements, the calculator will immediately display the calculated results for the monthly investment, investment duration, and the total investment amount.

Atal Pension Yojana Calculation Chart

The tables below show how much contribution you have to make and at/from what age to get the desired pension. You could choose to invest in the scheme on a monthly, quarterly or half-yearly basis.

Advantages of Using Navi Atal Pension Yojana Calculator

Here are some of the advantages of the Navi pension calculator

User-friendly design

Navi’s Atal Pension Yojana calculator is highly responsive and extremely user-friendly


Calculate your desired pension and investment duration in a matter of seconds

Helps better planning of your retirement savings

Quickly calculate your pension returns and plan your retirement efficiently

Frequently asked questions

One can simply visit the branch of the bank in which they hold a bank account in order to open an APY account. Fill out the form, submit the necessary documents, and a photocopy of Aadhaar. Link your bank account and set up auto-debit for monthly contributions.
In case of such an event, the APY account will get frozen after six months, deactivated after a year and closed after the expiry of 2 years.
Any person who is either a minor or above the age of 40 years isn’t eligible for the Atal Pension Yojana.
No, one cannot exit the APY before reaching the age of 60 years except under circumstances including terminal illness or death.
No, there is a limit of only one account per individual under APY hence barring anyone from having multiple accounts under this scheme.
When a contributor passes away, their spouse may claim the pension, as may the nominee if both the contributor and spouse pass away.
Indian citizens working in the unorganised sector or individuals in the private sector who don’t have access to pension benefits could open an APY account. However, you should have a valid bank account to contribute to the APY scheme.
The minimum contribution period towards Atal Pension Yojana is 20 years.
Contributions towards Atal Pension Yojana are eligible for tax exemption under Section 80CCD of the Income Tax Act, 1961. Also, as per Section 80CCD (1), the maximum exemption is 10% of the individual’s gross total income (limit of ₹1,50,000). An additional exemption for ₹50,000 is available under Section 80CCD (1B).
Disclaimer : Navi does not guarantee accuracy, completeness or correct sequence of any of the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy. The use of any information set out is entirely at the User’s own risk.


Jan 1

Income Tax On Interest Earned From Fixed Deposits

Fixed deposits are popular saving instruments that allow you to earn interest for depositing an amount for a fixed period.

Explore our videos

4 Tips to Improve Loan Eligibility
Personal Loan vs Gold Loan vs Credit Card Loan: Which can work best for you?
4 Mistakes to Avoid While Taking a Personal Loan