Calculator
APY calculator
A few hundred a month now, a guaranteed pension for life after 60.
Unorganised-sector workers 18–40 with a savings account. Contributions till 60; pension starts at 60 for life, spouse continues after death.
- Monthly contribution₹376
- Total paid till 60₹1.58 L
- Guaranteed pension from 60₹5,000/mo for life
Hover the curve for values along the way.
Indicative contributions interpolated from the official APY chart — confirm the exact figure with your bank. Government co-contribution ended for new subscribers after Mar 2016 (except early joiners).
What this calculator answers
At entry age 25 with the ₹5,000 monthly pension selected, the APY contribution chart implies about ₹376 a month paid until 60 — roughly ₹1.58 lakh in total. Enter your entry age and the pension you want to see the monthly contribution and the total you would pay.
How it is calculated
The contribution is read off the published APY chart at five anchor ages (18, 25, 30, 35 and 40), interpolated in a straight line for ages in between, then scaled in proportion to the pension you select. Total paid is the monthly contribution × 12 × (60 − entry age).
Indicative figures interpolated from the official APY contribution chart — confirm the exact contribution with your bank.
Common questions
Does the contribution change if I join later?
Yes. The chart charges more for every year of delay: a ₹5,000 pension implies about ₹376 a month from age 25, about ₹577 from age 30 and about ₹1,454 from age 40.
What does the monthly contribution buy?
It sets a fixed monthly pension that begins at 60 and continues for life, with the spouse receiving the same pension after the subscriber.
Is any government co-contribution included?
No. Government co-contribution for new subscribers ended after March 2016 except for early joiners, so this estimator counts only your own contributions.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.