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Atal Pension Yojana Calculator

↻ Updated FY 2026-27

Estimate the Atal Pension Yojana (APY) contribution needed for your desired monthly pension. The younger you join, the lower the monthly contribution.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Current age

Contributes for 35 years, until age 60

Desired monthly pension

Fixed slabs: ₹1,000 to ₹5,000

Approx. monthly contribution

₹371

until age 60

Guaranteed pension

₹5,000/mo

from age 60, for life

Total you contribute

₹1,55,631

over 35 years

Plan summary

Contribution period35 years

Monthly contribution₹371

Guaranteed monthly pension₹5,000

Corpus returned to nominee₹8,50,000

ASSUMPTIONS — The contribution shown is indicative — actual APY contributions follow fixed slabs published by PFRDA that depend on your joining age and chosen pension. This estimate assumes contributions accumulate at roughly 8% p.a. to reach the corpus that funds the guaranteed pension and is returned to your nominee. The earlier you join, the lower the monthly contribution. Enrolment is open to those aged 18–40.

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Sources & rate references

·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.