Is the APY Calculator free to use?

Yes. The APY Calculator on Niyamfin is completely free. All calculations run in your browser — no login, no account, and your inputs are never sent to any server.

How accurate is the APY Calculator?

The APY Calculator uses standard financial formulas (Target corpus = annual pension ÷ 6% annuity rate; monthly contribution = corpus × r ÷ ((1+r)^n − 1) over months until age 60.). Results are illustrative estimates based on the inputs you provide. They are educational in nature and not a substitute for advice from a qualified financial professional.

What assumptions does the APY Calculator use?

Inputs and calculations stay in browser memory only. Approximation of the official APY contribution chart — actual amounts are fixed by PFRDA per entry age. Assumes a 6% annuity rate at 60 to back out the required corpus.

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Retirement · Client-side estimateData reviewed 2026-07-02

APY Calculator

Estimate the monthly contribution needed for a target Atal Pension Yojana pension at age 60.

Retirement

Current age

APY entry age is 18–40; contributions run until age 60.

Target monthly pensionAssumed return

Your entries are used only in this browser session. Niyamfin does not store calculator inputs or add analytics trackers.

Formula and assumptions

Target corpus = annual pension ÷ 6% annuity rate; monthly contribution = corpus × r ÷ ((1+r)^n − 1) over months until age 60.

- Inputs and calculations stay in browser memory only.
- Approximation of the official APY contribution chart — actual amounts are fixed by PFRDA per entry age.
- Assumes a 6% annuity rate at 60 to back out the required corpus.

This calculator is for education and illustration only. It is not financial, investment, tax, insurance, lending, or legal advice. Please consult a qualified professional before making financial decisions.

Related calculators

Retirement NPS FIRE

Educational estimate only — not financial, tax, or investment advice. Niyamfin is not a SEBI-registered investment adviser, IRDAI-licensed insurer, or lender.

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All calculators

Retirement · Client-side estimateData reviewed 2026-07-02

APY Calculator

Estimate the monthly contribution needed for a target Atal Pension Yojana pension at age 60.

Retirement

Current age

APY entry age is 18–40; contributions run until age 60.

Target monthly pensionAssumed return

Your entries are used only in this browser session. Niyamfin does not store calculator inputs or add analytics trackers.

Formula and assumptions

Target corpus = annual pension ÷ 6% annuity rate; monthly contribution = corpus × r ÷ ((1+r)^n − 1) over months until age 60.

- Inputs and calculations stay in browser memory only.
- Approximation of the official APY contribution chart — actual amounts are fixed by PFRDA per entry age.
- Assumes a 6% annuity rate at 60 to back out the required corpus.

Related calculators

Retirement NPS FIRE

Educational estimate only — not financial, tax, or investment advice. Niyamfin is not a SEBI-registered investment adviser, IRDAI-licensed insurer, or lender.