Atal Pension Yojana Calculator
Government-guaranteed pension of ₹1,000–₹5,000 per month after age 60 for organised & informal-sector workers.
Your plan
Eligible only for age 18–40
Desired monthly pension
Rate & data freshness
Default rate based on the latest official Government of India notification. Please verify the current rate before making financial decisions.
Required monthly contribution
₹325
for 35 years
- Total contribution
- ₹1,36,412
- Corpus at 60
- ₹7,50,000
- Assumed accumulation return
- 8%
- Assumed annuity rate
- 8%
Approximation of PFRDA contribution table using 8% accumulation & annuity assumption. Enrolment shows exact table amounts.
How the math works
Monthly Contribution ≈ FV(Corpus) ÷ [((1+r/12)ⁿ − 1)/(r/12) × (1+r/12)]; Corpus ≈ 12 × Pension ÷ annuity rate
- Entry age
- 18 to 40 years
- Pension slabs
- ₹1,000 / 2,000 / 3,000 / 4,000 / 5,000
How it works
- 1
Enter your current age (18–40) and desired monthly pension.
- 2
CalcPe uses an implied 8% accumulation return and 8% annuity rate to back-solve your monthly contribution.
- 3
You’ll see the corpus you build and total contribution over the tenure.
- 4
Actual PFRDA contribution tables are used for enrollment; this calculator is a close approximation.
A quick walkthrough
Inputs
Entry age 25, target pension ₹5,000/mo.
Steps
- 35 years of contribution
- Corpus needed ≈ ₹7.5 L
- Contribution ≈ ₹376/mo (very close to PFRDA’s ₹376)
Result
Contribute ~₹376/mo for 35 years to secure a ₹5,000 monthly pension.
Why CalcPe’s Atal Pension Yojana Calculator
- Sovereign-guaranteed pension for life after 60.
- Extra ₹50,000 deduction under 80CCD(1B) — even in the new regime for eligible subscribers.
- Spouse also gets the pension after subscriber’s death.
- Nominee gets the accumulated corpus after both die.