Atal Pension Yojana Calculator

Finance

Project the retirement corpus you could build by contributing a fixed amount every month until retirement. Enter your monthly contribution, the number of years until retirement and an assumed annual return, and the calculator compounds the contributions (as an annuity due, with each month's contribution invested at the start of the month) to estimate the final lump sum. This is a general savings projection, not the official Atal Pension Yojana benefit table.

  • This is a general future-value projection of regular monthly contributions, not the official Atal Pension Yojana fixed-pension slabs or government co-contribution.
  • Contributions are treated as an annuity due (invested at the start of each month) at a constant assumed annual return.
  • Actual scheme benefits, taxes and fees are not modelled.

Formula

FV = PMT × [((1 + r)^n − 1) / r] × (1 + r)
  • PMT is the monthly contribution, r is the monthly return (annual return ÷ 12), and n is the total number of months.
  • The trailing (1 + r) factor treats contributions as an annuity due — each one is invested at the start of its month rather than the end.
  • The projection assumes a constant return every month. Real returns fluctuate, so treat the result as an illustrative estimate.
  • This does not reproduce the official Atal Pension Yojana fixed-pension slabs or any government co-contribution; it is a generic compounding projection.

Example: 1,000/month for 30 years at 8%

Inputs
  • Monthly Contribution (PKR): 1000
  • Years Until Retirement: 30
  • Annual Return %: 8

Contributing 1,000 per month for 30 years (360 months) at an 8% annual return, compounded as an annuity due, grows to a projected corpus of roughly 1.5 million — the bulk of which is compound growth rather than the contributions themselves.

Frequently asked questions

What does this calculator estimate?
It projects the lump-sum retirement corpus from contributing a fixed amount each month until retirement at an assumed constant annual return, using the future value of an annuity due.
Is this the official Atal Pension Yojana benefit?
No. APY pays defined fixed monthly pensions based on official slabs and entry age. This tool is a general savings projection, not those tables, and does not include any government co-contribution.
Why is the corpus so much larger than my total contributions?
Because of compounding: returns earn further returns over decades, so the final amount is dominated by growth rather than the contributions you put in.
How does the assumed return affect the result?
Strongly. Because returns compound over many years, even a one or two percentage point change in the assumed annual return can shift the projected corpus substantially — try a low, medium and high return.
What does 'annuity due' mean here?
It means each monthly contribution is assumed to be invested at the beginning of the month, so it earns one extra period of growth compared with paying at the end of the month.