Atal Pension Yojana Calculator — Calculations & Slabs for FY 2026-27

APY is a government-backed pension scheme in India targeted primarily at the unorganized sector. It provides a guaranteed minimum pension ranging from ₹1,000 to ₹5,000 per month after the age of 60, depending on the subscriber's contribution. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Any resident Indian citizen between the ages of 18 and 40 can subscribe to the Atal Pension Yojana. The subscriber must have a savings bank account and should not be a beneficiary of other social security schemes or an income taxpayer.

If a subscriber dies before reaching 60, the spouse can choose to continue contributing to the APY account for the remaining period. Alternatively, the spouse can withdraw the accumulated corpus. If both subscriber and spouse die, the nominee gets the full corpus.

Voluntary exit before the age of 60 is permitted. In such cases, only the subscriber's contributions plus the interest accrued on them will be refunded, after deducting account maintenance fees. The government's co-contribution and interest on it will not be refunded.

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.