APY Calculator India 2026

It depends on your entry age: at age 20, about ₹250/month; at age 25, about ₹376/month; at age 30, about ₹577/month. The earlier you join, the lower your monthly contribution for the same guaranteed ₹5,000 pension at age 60. Use the calculator above for your exact age.

If you're salaried with an active EPF account or are an income-tax payer, you're not eligible to newly join APY under the current rules. Self-employed and unorganized-sector workers without these are typically the intended audience. Check current eligibility with your bank before enrolling.

APY doesn't allow pausing contributions — missed payments can lead to penalties and, if they continue, account discontinuation. If you're worried about affordability, enroll at a lower pension slab (such as ₹1,000 instead of ₹5,000) that you can sustain, and maintain sufficient balance for auto-debit.

Usually not. APY provides a fixed, guaranteed pension of ₹1,000–₹5,000/month with no inflation adjustment, which can lose significant purchasing power over decades. It works best as a guaranteed income floor, combined with other retirement savings like EPF, PPF, NPS, or SIPs.

APY contributions qualify for deduction under Section 80CCD(1), but this sits within the overall ₹1.5 lakh composite limit shared with Section 80C — it is not an additional deduction. The separate ₹50,000 Section 80CCD(1B) deduction applies only to NPS Tier-1 contributions, not to baseline APY contributions.