APY Return Calculator

An APY (Atal Pension Yojana) calculator is a planning tool that estimates the contribution amount you may need to pay to target a chosen APY pension slab (₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 per month) after you turn 60, as per the scheme’s contribution chart.

Instead of hunting for tables and doing manual comparisons, the calculator helps you quickly answer practical questions like: “If I start at 25, what’s the approximate monthly contribution for ₹3,000?” or “How much does the contribution change if I start later?” It’s a clarity tool—useful for understanding affordability and timelines, not a promise of outcomes beyond the scheme’s stated terms.

The APY calculator on 5paisa works by mapping your inputs to the standard APY structure:

• Your age at entry (because the contribution changes with entry age)
• Chosen pension slab (₹1,000 to ₹5,000 per month)
• Contribution frequency (where applicable—monthly/quarterly/half-yearly)

Based on these, it shows the expected contribution amount for the selected slab and age band. The key idea is simple: the earlier you start, the lower the periodic contribution tends to be, because the contribution period is longer.

You can typically use the calculator in a few quick steps:

• Enter your age (within the eligible range for joining APY).
• Select the desired pension amount (₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000).
• Review the estimated contribution shown by the calculator.
• If you’re comparing options, try changing only one input at a time (age or pension slab) so the difference is easier to understand.

If you want, you can also use the result as a checkpoint while speaking to your bank/post office, since APY enrolment and auto-debit happen through your savings account.

• Quicker decisions: You can compare pension slabs without manual calculations.
• Age-based clarity: It highlights how contribution requirements shift with entry age.
• Simple scenario planning: Helpful for checking affordability across different targets.
• Less guesswork: Reduces the chance of misreading contribution tables.
• Cleaner conversations: Makes it easier to discuss the right option with your bank/post office using concrete numbers.

Below is a monthly contribution snapshot for a few common entry ages, based on the APY contribution chart (for monthly mode). This is presented to make comparisons easier at a glance.

Note: APY also allows quarterly and half-yearly contribution options, and exact contribution requirements are tied to the official schedule and scheme rules.

APY eligibility is largely rule-based and fairly straightforward:

• Citizen of India (APY is meant for Indian citizens).
• Age at entry: typically 18 to 40 years at the time of joining.
• Savings bank account (or post office savings account) is required for auto-debit contributions.
• Income-tax payer restriction: as per the scheme rules, individuals who are or have been income-tax payers are not eligible to open a new APY account (this applies to new subscriptions from 1 October 2022).
• Contribution period: once enrolled, contributions generally continue until age 60, as per the selected slab and contribution schedule.