PM Shram Yogi Maandhan calculator

1. Enter your age when you join (18 to 40).
2. Choose whether your husband or wife also joins, and enter their age.
3. Read your monthly payment, the government's match and the totals until 60.
4. Open More options to change the inflation rate for the today's-money figure.

The official chart. You pay the amount for your age at joining every month until 60. The central government pays the same amount into your account.

• Years of payment = 60 minus your age at joining.
• You pay in all = monthly amount × years × 12.
• Government pays in all = the same as you.
• Months to get your money back = what you paid ÷ ₹3,000.
• Pension in today's money = ₹3,000 ÷ (1 + inflation) ^ years until 60.

Example: joining at 25, you pay ₹80 a month for 35 years, ₹33,600 in all. The government adds ₹33,600, so ₹67,200 goes in. From 60 you get ₹3,000 a month, and the pension pays back your own ₹33,600 in 12 months.

The pension is a fixed amount. Rising prices reduce what it can buy by the time you are 60:

• Unorganised workers aged 18 to 40 with income up to ₹15,000 a month.
• Not for members of EPF, ESIC or NPS, or for income-tax payers.
• Pension of ₹3,000 a month from 60; 50% of it to the spouse after the member's death.
• Leaving within 10 years returns only your own payments with savings bank interest. The government's share is not paid out.
• For a pension of up to ₹5,000 without the income limit, compare the Atal Pension Yojana calculator.

Eligibility, how to join at a CSC, exit, death and missed payment rules are explained in simple words on the PM Shram Yogi Maandhan page.