Atal Pension Yojana Calculator

Your joining age

Years

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.

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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.

The Computation for an Atal Pension Yojana of ₹1000:

Entry Age	Years of Contribution	Monthly Contribution	Return to the nominee
18 years	42 years	₹42	₹1.7 lakh
19 years	41 years	₹46	₹1.7 lakh
20 years	40 years	₹50	₹1.7 lakh
21 years	39 years	₹54	₹1.7 lakh
22 years	38 years	₹59	₹1.7 lakh
23 years	37 years	₹64	₹1.7 lakh
24 years	36 years	₹70	₹1.7 lakh
25 years	35 years	₹76	₹1.7 lakh
26 years	34 years	₹82	₹1.7 lakh
27 years	33 years	₹90	₹1.7 lakh
28 years	32 years	₹97	₹1.7 lakh
29 years	31 years	₹106	₹1.7 lakh
30 years	30 years	₹116	₹1.7 lakh
31 years	29 years	₹126	₹1.7 lakh
32 years	28 years	₹138	₹1.7 lakh
33 years	27 years	₹151	₹1.7 lakh
34 years	26 years	₹165	₹1.7 lakh
35 years	25 years	₹181	₹1.7 lakh
36 years	24 years	₹198	₹1.7 lakh
37 years	23 years	₹218	₹1.7 lakh
38 years	22 years	₹240	₹1.7 lakh
39 years	21 years	₹264	₹1.7 lakh

The Computation for an Atal Pension Yojana of ₹2000:

Entry Age	Years of Contribution	Monthly Contribution	Return to the nominee
18 years	42 years	₹84	₹3.4 lakh
19 years	41 years	₹92	₹3.4 lakh
20 years	40 years	₹100	₹3.4 lakh
21 years	39 years	₹108	₹3.4 lakh
22 years	38 years	₹117	₹3.4 lakh
23 years	37 years	₹127	₹3.4 lakh
24 years	36 years	₹139	₹3.4 lakh
25 years	35 years	₹151	₹3.4 lakh
26 years	34 years	₹164	₹3.4 lakh
27 years	33 years	₹178	₹3.4 lakh
28 years	32 years	₹194	₹3.4 lakh
29 years	31 years	₹212	₹3.4 lakh
30 years	30 years	₹231	₹3.4 lakh
31 years	29 years	₹252	₹3.4 lakh
32 years	28 years	₹276	₹3.4 lakh
33 years	27 years	₹302	₹3.4 lakh
34 years	26 years	₹330	₹3.4 lakh
35 years	25 years	₹362	₹3.4 lakh
36 years	24 years	₹396	₹3.4 lakh
37 years	23 years	₹436	₹3.4 lakh
38 years	22 years	₹480	₹3.4 lakh
39 years	21 years	₹528	₹3.4 lakh

The Computation for an Atal Pension Yojana of ₹3000:

Entry Age	Years of Contribution	Monthly Contribution	Return to the nominee
18 years	42 years	₹126	₹5.1 lakh
19 years	41 years	₹138	₹5.1 lakh
20 years	40 years	₹150	₹5.1 lakh
21 years	39 years	₹162	₹5.1 lakh
22 years	38 years	₹177	₹5.1 lakh
23 years	37 years	₹192	₹5.1 lakh
24 years	36 years	₹208	₹5.1 lakh
25 years	35 years	₹226	₹5.1 lakh
26 years	34 years	₹246	₹5.1 lakh
27 years	33 years	₹268	₹5.1 lakh
28 years	32 years	₹292	₹5.1 lakh
29 years	31 years	₹318	₹5.1 lakh
30 years	30 years	₹347	₹5.1 lakh
31 years	29 years	₹379	₹5.1 lakh
32 years	28 years	₹414	₹5.1 lakh
33 years	27 years	₹453	₹5.1 lakh
34 years	26 years	₹495	₹5.1 lakh
35 years	25 years	₹543	₹5.1 lakh
36 years	24 years	₹594	₹5.1 lakh
37 years	23 years	₹654	₹5.1 lakh
38 years	22 years	₹720	₹5.1 lakh
39 years	21 years	₹792	₹5.1 lakh

The Computation for an Atal Pension Yojana of ₹4000:

Entry Age	Years of Contribution	Monthly Contribution	Return to the nominee
18 years	42 years	₹168	₹6.8 lakh
19 years	41 years	₹183	₹6.8 lakh
20 years	40 years	₹198	₹6.8 lakh
21 years	39 years	₹215	₹6.8 lakh
22 years	38 years	₹234	₹6.8 lakh
23 years	37 years	₹254	₹6.8 lakh
24 years	36 years	₹277	₹6.8 lakh
25 years	35 years	₹301	₹6.8 lakh
26 years	34 years	₹327	₹6.8 lakh
27 years	33 years	₹356	₹6.8 lakh
28 years	32 years	₹388	₹6.8 lakh
29 years	31 years	₹423	₹6.8 lakh
30 years	30 years	₹462	₹6.8 lakh
31 years	29 years	₹504	₹6.8 lakh
32 years	28 years	₹551	₹6.8 lakh
33 years	27 years	₹602	₹6.8 lakh
34 years	26 years	₹659	₹6.8 lakh
35 years	25 years	₹722	₹6.8 lakh
36 years	24 years	₹792	₹6.8 lakh
37 years	23 years	₹870	₹6.8 lakh
38 years	22 years	₹957	₹6.8 lakh
39 years	21 years	₹1,054	₹6.8 lakh

The Computation for an Atal Pension Yojana of ₹5000:

Entry Age	Years of Contribution	Monthly Contribution	Return to the nominee
18 years	42 years	₹210	₹8.5 lakh
19 years	41 years	₹228	₹8.5 lakh
20 years	40 years	₹248	₹8.5 lakh
21 years	39 years	₹269	₹8.5 lakh
22 years	38 years	₹292	₹8.5 lakh
23 years	37 years	₹318	₹8.5 lakh
24 years	36 years	₹346	₹8.5 lakh
25 years	35 years	₹376	₹8.5 lakh
26 years	34 years	₹409	₹8.5 lakh
27 years	33 years	₹446	₹8.5 lakh
28 years	32 years	₹485	₹8.5 lakh
29 years	31 years	₹529	₹8.5 lakh
30 years	30 years	₹577	₹8.5 lakh
31 years	29 years	₹630	₹8.5 lakh
32 years	28 years	₹689	₹8.5 lakh
33 years	27 years	₹752	₹8.5 lakh
34 years	26 years	₹824	₹8.5 lakh
35 years	25 years	₹902	₹8.5 lakh
36 years	24 years	₹990	₹8.5 lakh
37 years	23 years	₹1,087	₹8.5 lakh
38 years	22 years	₹1,196	₹8.5 lakh
39 years	21 years	₹1,318	₹8.5 lakh

Note that these figures are merely indicative and are subject to change.

Contribution range according to age

Entry Age	Years of Contribution	Monthly Contribution	Return to the nominee
18 yrs	42 yrs	Rs.42	Rs.1.7 lakh
19 yrs	41 yrs	Rs.46	Rs.1.7 lakh
20 yrs	40 yrs	Rs.50	Rs.1.7 lakh
21 yrs	39 yrs	Rs.54	Rs.1.7 lakh
22 yrs	38 yrs	Rs.59	Rs.1.7 lakh
23 yrs	37 yrs	Rs.64	Rs.1.7 lakh
24 yrs	36 yrs	Rs.70	Rs.1.7 lakh
25 yrs	35 yrs	Rs.76	Rs.1.7 lakh
26 yrs	34 yrs	Rs.82	Rs.1.7 lakh
27 yrs	33 yrs	Rs.90	Rs.1.7 lakh
28 yrs	32 yrs	Rs.97	Rs.1.7 lakh
29 yrs	31 yrs	Rs.106	Rs.1.7 lakh
30 yrs	30 yrs	Rs.116	Rs.1.7 lakh
31 yrs	29 yrs	Rs.126	Rs.1.7 lakh
32 yrs	28 yrs	Rs.138	Rs.1.7 lakh
33 yrs	27 yrs	Rs.151	Rs.1.7 lakh
34 yrs	26 yrs	Rs.165	Rs.1.7 lakh
35 yrs	25 yrs	Rs.181	Rs.1.7 lakh
36 yrs	24 yrs	Rs.198	Rs.1.7 lakh
37 yrs	23 yrs	Rs.218	Rs.1.7 lakh
38 yrs	22 yrs	Rs.240	Rs.1.7 lakh
39 yrs	21 yrs	Rs.264	Rs.1.7 lakh

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

Accuracy

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

How to open an Atal Pension Yojana account?

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.

What if one fails to maintain the minimum balance in their bank account?

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.

Which individuals are not eligible for the Atal Pension Yojana?

Any person who is either a minor or above the age of 40 years isn’t eligible for the Atal Pension Yojana.

Is it possible to exit the Atal Pension Yojana before 60 years of age?

No, one cannot exit the APY before reaching the age of 60 years except under circumstances including terminal illness or death.

Can a single individual open multiple accounts under APY? If yes, how many APY accounts can be opened?

No, there is a limit of only one account per individual under APY hence barring anyone from having multiple accounts under this scheme.

In case of the death of the contributor, what happens to the pension amount?

When a contributor passes away, their spouse may claim the pension, as may the nominee if both the contributor and spouse pass away.

Who should invest in Atal Pension Yojana?

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.

What is the minimum contribution period?

The minimum contribution period towards Atal Pension Yojana is 20 years.

Can I get tax benefits on my investments towards Atal Pension Yojana?

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.

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Atal Pension Yojana Calculator

What is Atal Pension Yojana Calculator?

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