How much to invest monthly in APY for ₹5000 pension?

To get ₹5,000/month pension, a 25-year-old pays ₹376/month. A 35-year-old pays ₹902/month. The later you join, the higher the premium — join early for maximum benefit.

Is APY government guaranteed?

Yes. APY (Atal Pension Yojana) offers a 100% government-guaranteed pension. If the corpus generates lower returns, the government funds the shortfall. The corpus is also passed to the spouse and then to the nominee.

Who is eligible for APY?

Indian citizens aged 18-40 who are NOT income tax payers. As of October 2022, income tax assessees are barred from joining APY. Existing members who become taxable must exit.

APY Calculator

Calculate Atal Pension Yojana contributions, guaranteed pension amount, and compare vs NPS for informal sector workers.

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Quick Summary: APY Calculator

The APY (Atal Pension Yojana) provides a guaranteed monthly pension of ₹1,000 to ₹5,000 to Indian citizens in the unorganized sector. In FY 2026-27, joining early is crucial, as the monthly premium for a ₹5,000 pension is just ₹210 for an 18-year-old but rises to ₹1,454 for a 40-year-old.

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Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.