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).