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  • Atal Pension Yojana Calculator

    Introduction to the Atal Pension Yojana Scheme

    The Atal Pension Yojana Scheme was started by the Government of India to provide financial security for its citizens during their retirement. It was noticed that as of May 2015, only 11% of the Indian population had subscribed to any pension scheme. The unorganised sector, especially, did not have any plans for old age. There was no easy provision for them to subscribe to a pension scheme. So the Parliament passed the Atal Pension Yojana Scheme to provide social security during retirement. Almost anyone can apply for this scheme by filling Atal Pension Yojana form at a bank and receive a pension of Rs. 1000 to Rs. 5000 once they reach the age of 60. For every contribution made, the Government will put in 50% of that amount towards the pension fund, or Rs. 1,000 per annum, whichever is lesser. The Government will make the contribution for the first 5 years of subscription. Taxpayers are not eligible for the Government contribution.

    Atal Pension Yojana Contribution Calculator

    The big question when we hear about the Atal Pension Yojana Scheme is how much do I have to pay? Your contribution depends on two factors.

    1. The amount of pension you want to receive.
    2. The age at which you apply for this scheme.

    If you join at the age of 18, your monthly premium will be much lesser. This is because you have 42 years time to contribute towards the scheme before you start receiving your pension. If you join at the age of 40, your premium will be significantly higher because you have only 20 years left to contribute towards the scheme. The lowest contribution for a Rs. 1,000 pension at the age of 18 is Rs. 42. The highest monthly premium of Rs. 1,454 will be incurred at the age of 40 if you opt to get the pension of Rs. 5,000.

    Atal Pension Yojana Calculation Tables

    The Atal Pension Yojana calculation tables below indicate the monthly contribution amounts based on the entry age and the choice of pension amount. Note that these numbers are indicative and subject to changes. Depending on the number of years of contribution, your monthly premium will be determined. Therefore, joining at an early age will result in your premium being much lower. The pension is payable to the subscriber and the spouse.

    Calculation for an Atal Pension Yojana of Rs. 1000

    If you opt to receive a monthly pension of Rs. 1,000, the amount that will be debited from your bank account will range between Rs. 42 and Rs. 291. In case of your death, your nominee will receive up to Rs. 1.7 lakhs from the Atal Pension Yojana Scheme.

    Entry Age Years of Contribution Monthly Contribution Return to the nominee
    18 yrs 42 yrs Rs. 42 Rs. 1.7 lakhs
    19 yrs 41 yrs Rs. 46 Rs. 1.7 lakhs
    20 yrs 40 yrs Rs. 50 Rs. 1.7 lakhs
    21 yrs 39 yrs Rs. 54 Rs. 1.7 lakhs
    22 yrs 38 yrs Rs. 59 Rs. 1.7 lakhs
    23 yrs 37 yrs Rs. 64 Rs. 1.7 lakhs
    24 yrs 36 yrs Rs. 70 Rs. 1.7 lakhs
    25 yrs 35 yrs Rs. 76 Rs. 1.7 lakhs
    26 yrs 34 yrs Rs. 82 Rs. 1.7 lakhs
    27 yrs 33 yrs Rs. 90 Rs. 1.7 lakhs
    28 yrs 32 yrs Rs. 97 Rs. 1.7 lakhs
    29 yrs 31 yrs Rs. 106 Rs. 1.7 lakhs
    30 yrs 30 yrs Rs. 116 Rs. 1.7 lakhs
    31 yrs 29 yrs Rs. 126 Rs. 1.7 lakhs
    32 yrs 28 yrs Rs. 138 Rs. 1.7 lakhs
    33 yrs 27 yrs Rs. 151 Rs. 1.7 lakhs
    34 yrs 26 yrs Rs. 165 Rs. 1.7 lakhs
    35 yrs 25 yrs Rs. 181 Rs. 1.7 lakhs
    36 yrs 24 yrs Rs. 198 Rs. 1.7 lakhs
    37 yrs 23 yrs Rs. 218 Rs. 1.7 lakhs
    38 yrs 22 yrs Rs. 240 Rs. 1.7 lakhs
    39 yrs 21 yrs Rs. 264 Rs. 1.7 lakhs
    40 yrs 20 yrs Rs. 291 Rs. 1.7 lakhs

    Calculation for an Atal Pension Yojana of Rs. 2000

    If you choose to receive a pension of Rs. 2,000, then the contribution ranges between Rs. 84 and Rs. Rs. 582. Your nominee stands to receive up to Rs. 3.4 lakhs in case of your unfortunate death.

    Entry Age Years of Contribution Monthly Contribution Return to the nominee
    18 yrs 42 yrs Rs. 84 Rs. 3.4 lakhs
    19 yrs 41 yrs Rs. 92 Rs. 3.4 lakhs
    20 yrs 40 yrs Rs. 100 Rs. 3.4 lakhs
    21 yrs 39 yrs Rs. 108 Rs. 3.4 lakhs
    22 yrs 38 yrs Rs. 117 Rs. 3.4 lakhs
    23 yrs 37 yrs Rs. 127 Rs. 3.4 lakhs
    24 yrs 36 yrs Rs. 139 Rs. 3.4 lakhs
    25 yrs 35 yrs Rs. 151 Rs. 3.4 lakhs
    26 yrs 34 yrs Rs. 164 Rs. 3.4 lakhs
    27 yrs 33 yrs Rs. 178 Rs. 3.4 lakhs
    28 yrs 32 yrs Rs. 194 Rs. 3.4 lakhs
    29 yrs 31 yrs Rs. 212 Rs. 3.4 lakhs
    30 yrs 30 yrs Rs. 231 Rs. 3.4 lakhs
    31 yrs 29 yrs Rs. 252 Rs. 3.4 lakhs
    32 yrs 28 yrs Rs. 276 Rs. 3.4 lakhs
    33 yrs 27 yrs Rs. 302 Rs. 3.4 lakhs
    34 yrs 26 yrs Rs. 330 Rs. 3.4 lakhs
    35 yrs 25 yrs Rs. 362 Rs. 3.4 lakhs
    36 yrs 24 yrs Rs. 396 Rs. 3.4 lakhs
    37 yrs 23 yrs Rs. 436 Rs. 3.4 lakhs
    38 yrs 22 yrs Rs. 480 Rs. 3.4 lakhs
    39 yrs 21 yrs Rs. 528 Rs. 3.4 lakhs
    40 yrs 20 yrs Rs. 582 Rs. 3.4 lakhs

    Calculation for an Atal Pension Yojana of Rs. 3000

    For a pension of Rs. 3,000, the amount required as contribution ranges between Rs. 126 and Rs. 873 per month. At the age of 60, you will be entitled to a monthly fixed pension of Rs. 3,000. In case of your death, your nominee will receive up to Rs. 5.1 lakhs.

    Entry Age Years of Contribution Monthly Contribution Return to the nominee
    18 yrs 42 yrs Rs. 126 Rs. 5.1 Lakhs
    19 yrs 41 yrs Rs. 138 Rs. 5.1 Lakhs
    20 yrs 40 yrs Rs. 150 Rs. 5.1 Lakhs
    21 yrs 39 yrs Rs. 162 Rs. 5.1 Lakhs
    22 yrs 38 yrs Rs. 177 Rs. 5.1 Lakhs
    23 yrs 37 yrs Rs. 192 Rs. 5.1 Lakhs
    24 yrs 36 yrs Rs. 208 Rs. 5.1 Lakhs
    25 yrs 35 yrs Rs. 226 Rs. 5.1 Lakhs
    26 yrs 34 yrs Rs. 246 Rs. 5.1 Lakhs
    27 yrs 33 yrs Rs. 268 Rs. 5.1 Lakhs
    28 yrs 32 yrs Rs. 292 Rs. 5.1 Lakhs
    29 yrs 31 yrs Rs. 318 Rs. 5.1 Lakhs
    30 yrs 30 yrs Rs. 347 Rs. 5.1 Lakhs
    31 yrs 29 yrs Rs. 379 Rs. 5.1 Lakhs
    32 yrs 28 yrs Rs. 414 Rs. 5.1 Lakhs
    33 yrs 27 yrs Rs. 453 Rs. 5.1 Lakhs
    34 yrs 26 yrs Rs. 495 Rs. 5.1 Lakhs
    35 yrs 25 yrs Rs. 543 Rs. 5.1 Lakhs
    36 yrs 24 yrs Rs. 594 Rs. 5.1 Lakhs
    37 yrs 23 yrs Rs. 654 Rs. 5.1 Lakhs
    38 yrs 22 yrs Rs. 720 Rs. 5.1 Lakhs
    39 yrs 21 yrs Rs. 792 Rs. 5.1 Lakhs
    40 yrs 20 yrs Rs. 873 Rs. 5.1 Lakhs

    Calculation for an Atal Pension Yojana of Rs. 4000

    To receive a pension of Rs. 4,000 from the Atal Pension Yojana, the contribution amount is between Rs. 168 and Rs. 1,164. Your nominee will get up to Rs. 6.8 lakhs in return in case of your death.

    Entry Age Years of Contribution Monthly Contribution Return to the nominee
    18 yrs 42 yrs Rs. 168 Rs. 6.8 lakhs
    19 yrs 41 yrs Rs. 183 Rs. 6.8 lakhs
    20 yrs 40 yrs Rs. 198 Rs. 6.8 lakhs
    21 yrs 39 yrs Rs. 215 Rs. 6.8 lakhs
    22 yrs 38 yrs Rs. 234 Rs. 6.8 lakhs
    23 yrs 37 yrs Rs. 254 Rs. 6.8 lakhs
    24 yrs 36 yrs Rs. 277 Rs. 6.8 lakhs
    25 yrs 35 yrs Rs. 301 Rs. 6.8 lakhs
    26 yrs 34 yrs Rs. 327 Rs. 6.8 lakhs
    27 yrs 33 yrs Rs. 356 Rs. 6.8 lakhs
    28 yrs 32 yrs Rs. 388 Rs. 6.8 lakhs
    29 yrs 31 yrs Rs. 423 Rs. 6.8 lakhs
    30 yrs 30 yrs Rs. 462 Rs. 6.8 lakhs
    31 yrs 29 yrs Rs. 504 Rs. 6.8 lakhs
    32 yrs 28 yrs Rs. 551 Rs. 6.8 lakhs
    33 yrs 27 yrs Rs. 602 Rs. 6.8 lakhs
    34 yrs 26 yrs Rs. 659 Rs. 6.8 lakhs
    35 yrs 25 yrs Rs. 722 Rs. 6.8 lakhs
    36 yrs 24 yrs Rs. 792 Rs. 6.8 lakhs
    37 yrs 23 yrs Rs. 870 Rs. 6.8 lakhs
    38 yrs 22 yrs Rs. 957 Rs. 6.8 lakhs
    39 yrs 21 yrs Rs. 1,054 Rs. 6.8 lakhs
    40 yrs 20 yrs Rs. 1,164 Rs. 6.8 lakhs

    Calculation for an Atal Pension Yojana of Rs. 5000

    Opting for a pension of Rs. 5,000 will attract the highest rates of monthly premium. If you join at the age of 18, your premium will be Rs. 210. At the age of 40, your premium will be Rs. 1,454. Your nominee will be paid up to Rs. 8.5 lakhs.

    Entry Age Years of Contribution Monthly Contribution (Rs.) Return to the nominee (Rs.)
    18 yrs 42 yrs Rs. 210 Rs. 8.5 lakhs
    19 yrs 41 yrs Rs. 228 Rs. 8.5 lakhs
    20 yrs 40 yrs Rs. 248 Rs. 8.5 lakhs
    21 yrs 39 yrs Rs. 269 Rs. 8.5 lakhs
    22 yrs 38 yrs Rs. 292 Rs. 8.5 lakhs
    23 yrs 37 yrs Rs. 318 Rs. 8.5 lakhs
    24 yrs 36 yrs Rs. 346 Rs. 8.5 lakhs
    25 yrs 35 yrs Rs. 376 Rs. 8.5 lakhs
    26 yrs 34 yrs Rs. 409 Rs. 8.5 lakhs
    27 yrs 33 yrs Rs. 446 Rs. 8.5 lakhs
    28 yrs 32 yrs Rs. 485 Rs. 8.5 lakhs
    29 yrs 31 yrs Rs. 529 Rs. 8.5 lakhs
    30 yrs 30 yrs Rs. 577 Rs. 8.5 lakhs
    31 yrs 29 yrs Rs. 630 Rs. 8.5 lakhs
    32 yrs 28 yrs Rs. 689 Rs. 8.5 lakhs
    33 yrs 27 yrs Rs. 752 Rs. 8.5 lakhs
    34 yrs 26 yrs Rs. 824 Rs. 8.5 lakhs
    35 yrs 25 yrs Rs. 902 Rs. 8.5 lakhs
    36 yrs 24 yrs Rs. 990 Rs. 8.5 lakhs
    37 yrs 23 yrs Rs. 1,087 Rs. 8.5 lakhs
    38 yrs 22 yrs Rs. 1,196 Rs. 8.5 lakhs
    39 yrs 21 yrs Rs. 1,318 Rs. 8.5 lakhs
    40 yrs 20 yrs Rs. 1,454 Rs. 8.5 lakhs

    Contribution Range According to Age

    According to your current age, you can see the amount you need to contribute towards the Atal Pension Yojana Scheme. Depending on your choice of pension amount, your premium will be determined.

    Age Rs. 1000 Rs. 2000 Rs. 3000 Rs. 4000 Rs. 5000
    18 yrs Rs. 42 Rs. 84 Rs. 126 Rs. 168 Rs. 210
    19 yrs Rs. 46 Rs. 92 Rs. 138 Rs. 183 Rs. 228
    20 yrs Rs. 50 Rs. 100 Rs. 150 Rs. 198 Rs. 248
    21 yrs Rs. 54 Rs. 108 Rs. 162 Rs. 215 Rs. 269
    22 yrs Rs. 59 Rs. 117 Rs. 177 Rs. 234 Rs. 292
    23 yrs Rs. 64 Rs. 127 Rs. 192 Rs. 254 Rs. 318
    24 yrs Rs. 70 Rs. 139 Rs. 208 Rs. 277 Rs. 346
    25 yrs Rs. 76 Rs. 151 Rs. 226 Rs. 301 Rs. 376
    26 yrs Rs. 82 Rs. 164 Rs. 246 Rs. 327 Rs. 409
    27 yrs Rs. 90 Rs. 178 Rs. 268 Rs. 356 Rs. 446
    28 yrs Rs. 97 Rs. 194 Rs. 292 Rs. 388 Rs. 485
    29 yrs Rs. 106 Rs. 212 Rs. 318 Rs. 423 Rs. 529
    30 yrs Rs. 116 Rs. 231 Rs. 347 Rs. 462 Rs. 577
    31 yrs Rs. 126 Rs. 252 Rs. 379 Rs. 504 Rs. 630
    32 yrs Rs. 138 Rs. 276 Rs. 414 Rs. 551 Rs. 689
    33 yrs Rs. 151 Rs. 302 Rs. 453 Rs. 602 Rs. 752
    34 yrs Rs. 165 Rs. 330 Rs. 495 Rs. 659 Rs. 824
    35 yrs Rs. 181 Rs. 362 Rs. 543 Rs. 722 Rs. 902
    36 yrs Rs. 198 Rs. 396 Rs. 594 Rs. 792 Rs. 990
    37 yrs Rs. 218 Rs. 436 Rs. 654 Rs. 870 Rs. 1,087
    38 yrs Rs. 240 Rs. 480 Rs. 720 Rs. 957 Rs. 1,196
    39 yrs Rs. 264 Rs. 528 Rs. 792 Rs. 1,054 Rs. 1,318
    40 yrs Rs. 291 Rs. 582 Rs. 873 Rs. 1,164 Rs. 1,454
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