APY Calculator


The Atal Pension Yojana (APY) is a pension scheme aimed at providing a stable financial future for individuals working in the unorganized sector in India. 

Initiated by the Government of India, APY strives to ensure that no Indian citizen has to worry about illness, accidents, or aging. The scheme encourages individuals to save a small portion of their income during their working years to secure a pension in their old age.

How Does the Atal Pension Yojana Calculator Work?

The APY Calculator is an intuitive tool designed to assist subscribers in estimating the pension they will receive upon retirement. By inputting their age at the time of joining APY and the desired monthly pension amount, individuals can conveniently calculate the monthly contributions they need to make. 

The calculator leverages a sophisticated algorithm that factors in the user’s current age, expected retirement age, and the monthly pension amount to project the monthly contributions required. This transparency in understanding the financial commitment towards securing a post-retirement pension makes the APY Return Calculator an invaluable asset for future planning.

How to use Fincareplan’s APY Calculator?

Using the Fincareplan’s Atal Pension Yojana Calculator is a straightforward process, ensuring that users can effortlessly navigate and obtain the information they need. Here’s how you can use the calculator:

  • Enter Your Joining Age: Slide the ‘Joining Age’ slider to reflect your current age. The calculator allows for ages between 18 and 39 years, aligning with the APY eligibility criteria.
  • Select Your Desired Monthly Pension: Choose how much monthly pension you wish to receive during retirement. The slider lets you select a pension amount ranging from ₹1,000 to ₹5,000.
  • Calculate: Click on the ‘Calculate’ button. The calculator will then display your monthly investment amount, the duration of the investment, and the total amount you will contribute until retirement.

The calculator’s interface is designed for user-friendliness, making it easy for anyone to plan their retirement effectively.

Benefits of Using the Atal Pension Yojana Calculator

Utilizing the APY Calculator comes with several benefits:

  • Financial Planning: It aids individuals in planning their finances by providing a clear picture of the monthly contributions required for the desired pension amount.
  • Ease of Use: The calculator is user-friendly and provides instant results, saving time and simplifying the process of understanding APY contributions.
  • Informed Decisions: With the knowledge of future financial commitments, individuals can make informed decisions about their savings and investments.


  • Is APY paid monthly?

    Yes, the pension from APY is disbursed monthly to ensure a steady income flow for retirees.

  • Is it free to use the APY Calculator?

    Yes, The APY Calculator is a free tool designed to help individuals plan their retirement effectively without any cost.

  • How to calculate my Atal Pension Yojana (APY) pension?

    Your APY pension can be calculated using the APY Calculator. Simply input your joining age and the desired monthly pension amount to understand your monthly contribution and total investment until retirement.

  • Can someone over the age of 40 participate in the Atal Pension Yojana?

    No, the Atal Pension Yojana is available to individuals aged between 18 and 39 years. This age criteria ensures that subscribers have a sufficient contribution period before reaching the age of 60 when the pension payouts commence.