Atal Pension Yojana Calculator

Uses the official PFRDA monthly-contribution chart (Annexure-1). Since 1 Oct 2022, anyone who has ever paid income tax cannot open a new APY account. The government's matching co-contribution scheme ended in FY2019-20 and no longer applies to any new or existing subscriber. The pension amount is fixed by law and does not rise with inflation once it starts, which is exactly what the "real value at 60" figure above is trying to make visible.

On death: if the subscriber dies before 60, the spouse can continue the account or take the accumulated corpus. If the subscriber dies after 60 while receiving the pension, the spouse receives the same pension for life; if both subscriber and spouse have passed, the nominee receives the fixed return-of-corpus amount shown above.