APY Calculator – Estimate Pension & Monthly Contribution

Quickly calculate taxes on your stock market profits in India with our free tool.

Calculate Your APY

Enter Your Age (18–40)
Select Pension Slab (₹)
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How It Works - 3 Simple Steps

Enter buy and sell details
Add ticker or scheme, dates, price, quantity, and fees if you want net figures.
Choose short term or long term capital gains
The tool tags holding periods for equity and equity funds. Override if you are testing.
Get instant tax liability results
See tax per line and a clean summary. Export to PDF or CSV with a few clicks.

Why Use Our Stock Market Tax Calculator?

01
Based on latest Indian tax laws
Covers listed equity, equity funds, intraday, and derivatives.
02
Works for both short term and long term gains
Separate views for STCG and LTCG so impact is clear.
03
Free and easy to use, no signup needed
Open, input, and download. No signup required.

What You Get with Our Calculator

Who Can Use the Stock Market Average Calculator?

First-Time Investors Learning to Average Their Trades

See how a new lot changes cost. Plan the next step with transparent math.

Active Traders Managing Multiple Buy Orders

Combine intraday and swing entries in one view. Confirm if an add improves cost or adds risk.

Long-Term Investors Averaging Down on Stocks

Test staged entries at target levels. Keep each move within budget.

Portfolio Managers Needing Accuracy in Cost Tracking

Clean inputs and reproducible numbers. Bulk paste speeds month-end checks.

Some of the USPs of our Stock Market Average Calculator

Built for Indian Investors and Market Needs

INR default and Indian date formats. Works with common broker notes and CSVs.

Accurate, Transparent, and Reliable Results

Standard formula with visible inputs. Help shows the exact math.

No Sign Up, No Hidden Charges

Open, calculate, and export without an account. Optional profiles store scenarios.

Trusted by Thousands of Traders

Used for planning adds, setting exits, and team communication. The next step stays obvious.

Frequently Asked Questions

Who can invest in APY?

Eligible Indian citizens within the notified age band who hold a savings bank account and consent to auto-debit. The scheme is aimed at unorganised sector workers but is open as per prevailing rules.

What is the minimum and maximum contribution?

There is no single fixed amount for all. The contribution depends on your age at entry and the pension slab you choose. The calculator maps these inputs to the corresponding monthly figure.

How is pension calculated under APY?

You select a pension slab of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 per month. Your contribution is determined by age and slab as per the scheme’s table. The pension is paid after 60 subject to scheme terms.

Can I increase my contribution later?

Yes, you may request a slab upgrade through your bank or POP. The new monthly contribution will be higher. Use the calculator first to check affordability before you submit the change.

What happens if I miss payments?

Missed auto-debits can attract penalties as per APY rules, and repeated failures may lead to account freezing until dues are cleared. Keep sufficient balance and update your mandate when your bank details change.