What monthly APY contribution would you need?

How the APY contribution is selected

Choose a joining age from 18 to 40 and a monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000. The calculator reads the matching monthly amount from PFRDA’s age-wise contribution table. Contributions continue from the joining age until age 60.

Joining later produces a higher scheduled contribution because fewer years remain before pension begins. The total scheduled contribution shown is the monthly table amount multiplied by the number of months to age 60; it is not an account-value or return forecast.

FormulaScheduled contribution total = official monthly contribution × (60 − joining age) × 12

Example: ₹5,000 monthly pension by joining age

Every row selects the same ₹5,000 guaranteed minimum monthly pension after age 60. The nominee-corpus figure associated with this pension slab is ₹8.50 lakh under the official table.

Check APY eligibility before enrolling

A new subscriber must be an Indian citizen aged 18 to 40 with a savings bank or post-office savings account. From 1 October 2022, a person who is or has been an income-tax payer as of the application date cannot open a new APY account. Existing subscribers who joined on or before 30 September 2022 can continue under the stated rules.

PFRDA allows monthly, quarterly or half-yearly auto-debit. This calculator displays the official monthly contribution only; use the current PFRDA table or enrolment channel when choosing another frequency.

What the pension and nominee figures mean

• The selected minimum pension begins after the subscriber reaches age 60, subject to scheme rules.
• After the subscriber’s death, the spouse is entitled to the same pension under the scheme terms.
• After both subscriber and spouse die, the prescribed pension wealth is returned to the nominee.
• Delayed or missed contributions, exit, death before 60 and other events follow APY rules not modelled here.