Atal Pension Yojana Calculator & Premium Chart
Age (Years)
Desired Monthly Pension
Desired Contribution
Atal Pension Yojana Calculator

Launched in 2015, the Atal Pension Yojana is a government pension scheme. It offers financial security to the individuals working in an unorganised sector after their retirement. This scheme encourages eligible candidates to make monthly contributions and get the accumulated corpus after attaining 60.
Atal Pension Yojana calculator is a digital calculator to help you estimate the monthly payment and expected returns in advance.
So, without any delay, let’s take a look at how you can use the Atal Pension Yojana calculator.
Table of Contents
What is the Atal Pension Yojana (APY) Calculator?

What is the Atal Pension Yojana (APY) Calculator?
How Does the APY Calculator Work?
The APY Scheme Calculator uses two values: interest rate and compound frequency. By selecting options in the second box, you can compare offers with compounding periods.
For example, let us look at these offers:
- An annual interest rate of 1%, compounded annually, gives an APY of 1%.
- If the interest rate is 0.5%, compounded daily, the APY is 0.501%.
- With an interest rate of 0.75%, compounded quarterly, the APY is 0.702%.
Remember, the higher the APY, the better the offer. Calculating APY helps you to determine which offer is most profitable.
APY Calculator Formula
The formula used to calculate APY is given below:
APY = (1 + r/n)^n – 1
Here,
r - represents the interest rate.
n - represents the number of times the interest is compounded per year.
Pradhan Mantri Atal Pension Yojana Calculator

Pradhan Mantri Atal Pension Yojana Calculator
Firstly, to use the Atal Pension Yojana calculator, determine how much you must pay. Your monthly contribution depends on your starting age of investment and the pension option you choose.
However, to avoid manual errors, you can use the Atal Pension Yojana calculator online. Here are the following steps to use the Atal Pension Yojana calculator to get an estimate:
- Visit this official link of NPS - https://npstrust.org.in/apy-calculator
- Now, select your age, pension, expected return, and annuity rate.
- After selecting, you will get your monthly, half-yearly and quarterly contribution based on your pension option. Also, you will get an estimated idea about total corpus and investment over the years.
Remember, this calculator does not consider other applicable charges on this scheme. For more clarity, review the same with the bank from which you are applying.
How to Use the Digit APY Calculator?
To use the Digit APY calculator, you need to follow the steps mentioned below:
Step 1
Enter your age on the APY calculator.
Step 2
Select your desired monthly pension amount.
Step 3
Choose your desired contribution from monthly, quarterly, and half-yearly. Once you enter all the details, the calculator will instantly display the calculated monthly investment, investment duration, and total investment amount.
Other Important Calculators Related to Government Schemes
Atal Pension Yojana Calculation Chart

Atal Pension Yojana Calculation Chart
The table below illustrates the monthly contribution based on your age and the pension you select. Therefore, the premium is lower if you start investing at the age of 18.
After a regular contribution, an applicant is guaranteed to receive a monthly pension after attaining 60. In case of the death of the beneficiary, his/her spouse will get the pension benefits. However, on the demise of both, the appointed nominee will receive this pension amount.
Atal Pension Yojana Calculator Chart for Monthly Pension of ₹1,000
As a subscriber, if you select the pension scheme of ₹1,000, the bank will debit ₹42 to ₹291 from your account monthly. The expected return to the nominee after the death of the subscriber will stand at ₹1.7 lakhs.
Atal Pension Yojana Calculator Chart for Monthly Pension of ₹2,000
If you choose the pension scheme of ₹2,000, you must pay a monthly contribution ranging from ₹84 to ₹528. The nominee will receive ₹3.4 lakhs.
Atal Pension Yojana Calculator Chart for Monthly Pension of ₹3,000
If you choose the ₹3,000 pension scheme, the monthly contribution will range from ₹126 to ₹873. The nominee will receive an expected return of ₹5.1 lakhs.
Atal Pension Yojana Calculator Chart for Monthly Pension of ₹4,000
If one opts for a pension of ₹4,000, ₹168 to ₹1,164 will be auto-debited from a bank account. After the beneficiary's death, a nominee will receive an average return of ₹6.8 lakhs.
Atal Pension Yojana Calculator Chart for Monthly Pension of ₹5,000
If you opt for a pension scheme of ₹5,000, the monthly contribution will range from around ₹210 to ₹1,454. The nominee will get an expected return of ₹8.5 lakhs.
Charges on Atal Pension Yojana
There are certain charges and interest rates for delayed monthly payments. The Pension Fund Regulatory and Development Authority levies those charges backed by a government permit.
Take a look at the table to know more:
What are the Applicable Penalty Charges on APY?

What are the Applicable Penalty Charges on APY?
If you fail to pay the monthly premium before the due date, here is a list of monthly penalty charges:
- PFRDA charges ₹1 for monthly payments up to ₹100.
- It levies ₹2 for monthly contributions between ₹101 to ₹150.
- ₹5 is charged for premiums ranging from ₹500 to ₹1,000.
- ₹10 is charged for monthly premiums of more than ₹1,000.
5 Benefits of Using Atal Pension Yojana Premium Calculator
Take a look at how using an online Atal Pension Yojana calculator can help you in the following ways:
Who Can Invest in Atal Pension Yojana (APY)?

Who Can Invest in Atal Pension Yojana (APY)?
Individuals who meet the following criteria can invest in the Atal Pension Yojana:
- The individual must be an Indian citizen between 18 to 40 years.
- They can contribute for at least 20 years.
- The individual must have an Aadhaar Number and a mobile number.
- They should have a valid bank account.
- If they are part of the Swavalamban Yojana, they will be automatically moved to the Atal Pension Yojana scheme.
How to Invest in Atal Pension Yojana?
There are two options available for investing in APY, which are as follows:
Step 1
Open your APY account online through the net banking facility.
Step 2
Log in to your net banking account and look for APY on the dashboard.
Step 3
Follow the instructions to register for the scheme and finally choose the auto-debit option for easy contributions.
Thus, this comprehensive guide on the Atal Pension Yojana calculator will help you estimate how much you need to invest to receive a satisfactory return. It is available across 258 APY service providers, including banks and post offices.
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