Pakistan Pension Calculator

PAKISTAN · PENSION CALCULATOR

Pakistan Pension Calculator

Estimate your government or EOBI pension, commutation, family pension and medical allowance

Government Employee Pension
EOBI Pension (Private Sector)
Location & Department
City is for your record only — the federal/provincial pension formula is the same in every city.
Enter the deceased employee's own salary/service details below — the calculator will estimate the pension payable to the family.
Salary & Service Details
Basic pay is required and must be greater than 0.
Leave as 0 if you don't have any pensionable allowances.
Please enter valid service years/months (months must be between 0-11).
1–6 months count as the current year; 7–12 months add +1 year (maximum 30 years is used for calculation).
Medical allowance rates are revised in almost every federal/provincial budget and vary by grade — enter the current rate from your last pay slip or department notification. Leave as 0 to skip.
Commutation (Lump Sum Option)
0%
The portion of your gross pension you want to receive as a one-time lump sum (maximum 35%).
Location
EOBI is a federal scheme — the formula is identical across all cities and provinces of Pakistan.
Wage & Insurable Service
Average monthly wage is required and must be greater than 0.
Your own average gross monthly wage over the last 12 months of insurable employment.
Please enter valid insurable service years.
Minimum 15 years of insurable employment is generally required to qualify for an EOBI old-age pension.
EOBI contributions are calculated on the notified minimum wage (currently Rs. 37,000/month), not on your actual salary — employer contributes 5% and employee contributes 1% of the minimum wage. This does not change the pension formula below, which uses your average wage and insurable years.
Result
Fill in the form and click "Calculate Pension" — your result will appear here.
This calculator provides an estimate only. The final, official pension amount is confirmed by the AGPR / Accountant General office through your Pension Payment Order (PPO).

Estimate your government pension or EOBI pension in a few seconds. Enter your salary and service details below to calculate your gross pension, net monthly pension, commutation value, and more — free, with no registration required.

What This Calculator Covers

This tool has two calculation modes:

  • Government Employee Pension — for Federal Government employees and employees of the Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, Azad Jammu & Kashmir, and Gilgit-Baltistan governments.
  • EOBI Pension — for private-sector employees registered with the Employees’ Old-Age Benefits Institution (EOBI).

Both modes use the official calculation formulas explained below, and both work on desktop and mobile.

What this calculator currently estimates:

  • Gross monthly pension
  • Net monthly pension after commutation
  • Estimated lump-sum commutation value
  • Monthly medical allowance (based on the rate you enter)
  • A basic family pension estimate
  • EOBI old-age pension based on wage and insurable service

What this calculator does not yet calculate: gratuity, leave encashment, pension restoration after commutation, and annual pension increases. These depend on rules and notifications that change frequently, and we’ve left them out rather than risk showing you an outdated or inaccurate number.

How to Use the Government Pension Calculator

  1. Select “Government Employee Pension” from the tabs at the top.
  2. Choose your province/government and city. City is for your own record only — the pension formula is identical across every city in Pakistan; only the province/department is relevant for context.
  3. Select your pension type — Superannuation, Retiring/Voluntary Retirement, or Invalid/Medical Retirement.
  4. Enter your last drawn basic pay and any other pensionable allowances (leave as 0 if none apply).
  5. Enter your total qualifying service in years and months.
  6. Optionally enter your date of birth and retirement date — these are used only to check age-related eligibility for voluntary retirement.
  7. Optionally enter your monthly medical allowance if you know your department’s current rate.
  8. Choose a commutation percentage (0% to 35%) if you want to see a lump-sum estimate, and adjust the commutation factor if you know your official one.
  9. Click Calculate Pension to see your results.

How to Use the EOBI Pension Calculator

  1. Select “EOBI Pension (Private Sector)” from the tabs at the top.
  2. Choose your city (for record only — EOBI is a federal scheme and the formula is the same nationwide) and your gender (pension age is 60 for men, 55 for women).
  3. Enter your average monthly wage over the last 12 months of insurable employment.
  4. Enter your total insurable service in years.
  5. Click Calculate EOBI Pension to see your estimated monthly pension.

Pakistan Government Pension Formula

The formula used in this calculator is:

Gross Monthly Pension = (Basic Pay + Other Pensionable Allowances) × Qualifying Service × 7 ÷ 300

Qualifying service is capped at 30 years, even if your actual service is longer. Partial years are rounded using this rule: 1 to 6 months of extra service count as the current year, and 7 to 12 months add one additional year to your qualifying service.

Minimum pension: if the calculated gross pension comes out below approximately Rs. 10,000 per month, the calculator applies this as a floor, consistent with the government’s minimum pension threshold.

Eligibility: pension eligibility generally requires at least 10 years of qualifying service. Retiring (voluntary) pension generally requires at least 25 years of qualifying service or an age of 55 years. The calculator shows a warning if your entered details don’t meet these thresholds.

Because pension rules are updated through Finance Division and provincial Finance Department notifications, always confirm your final figure with your Accountant General / AGPR office before making financial decisions.

Commutation of Pension, Explained

Commutation lets you convert part of your monthly pension into a one-time lump-sum payment, up to a maximum of 35% of your gross pension.

The calculator estimates:

  • Your commuted monthly amount (the portion given up)
  • Your net monthly pension after commutation
  • Your estimated lump-sum payout, calculated as: Commuted Monthly Amount × 12 × Commutation Factor

About the commutation factor: this number comes from the government’s official age-based commutation table. The calculator pre-fills a commonly cited default value (9.0563), but the exact factor depends on your age at retirement and is set by official notification. You can edit this field if you know your correct factor — otherwise, confirm it with your Accountant General / AGPR office before relying on the lump-sum estimate.

Family Pension Estimate

If you check the “Family Pension” option, the calculator estimates the pension payable to an eligible surviving family member using the same formula, based on the deceased employee’s own basic pay and qualifying service.

Important: actual family pension percentage, duration, and eligible relationships vary by department and government notification. This calculator gives a starting estimate only — please confirm exact entitlement with the pension sanctioning authority.

EOBI Pension Formula

The formula used in this calculator is:

EOBI Pension = (Average Monthly Wage × Insurable Years) ÷ 50

Minimum service: EOBI old-age pension generally requires at least 15 years of insurable employment. With less than 15 years, you may only qualify for a one-time old-age grant instead of a monthly pension — confirm this with your nearest EOBI regional office.

Minimum and maximum pension: the calculator applies the current notified minimum (approximately Rs. 11,500/month) and maximum (approximately Rs. 30,000/month) once the 15-year threshold is met. These limits are revised periodically by EOBI, so always check the latest notified figures on the official EOBI website.

Pension age: 60 years for men, 55 years for women.

Who Can Use This Calculator

  • Federal Government employees
  • Punjab, Sindh, KPK, Balochistan, AJK, and Gilgit-Baltistan government employees
  • Private-sector employees registered with EOBI
  • Anyone planning for retirement who wants a quick, free estimate of their expected pension

Frequently Asked Questions

Is this Pakistan Pension Calculator free to use?

Yes. It’s free, requires no registration, and you can calculate as many times as you like.

Is this an official government calculator?

No. This is an independent estimation tool. Your final, official pension amount is determined by the AGPR / Accountant General office (for government pensions) or by EOBI (for EOBI pensions), based on your verified service and contribution records.

Does this calculator cover EOBI pension for private-sector employees?

Yes. Switch to the “EOBI Pension” tab and enter your average monthly wage and insurable service years.

Does this calculator work for all provinces of Pakistan?

Yes. Federal Government and Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, AJK, and Gilgit-Baltistan employees can all use it — the pension formula is the same regardless of city or province; only the department context differs.

Can I calculate commutation and the lump-sum pension amount?

Yes. Use the commutation percentage slider to see your commuted amount, net pension, and an estimated lump-sum value.

Does it estimate family pension?

Yes, using the “Family Pension” toggle in the Government mode. This is a basic estimate only — confirm exact rules with the pension sanctioning authority.

Does this calculator include gratuity or leave encashment?

Not currently. These benefits depend on service length and department-specific notifications, and we’ve chosen not to include them until we can guarantee accurate, up-to-date formulas.

Is my data stored anywhere?

No. All calculations happen directly in your browser. Nothing you enter is sent to a server or stored.

Can I use this on my mobile phone?

Yes. The calculator is fully responsive and works on desktop, tablet, and mobile devices.

Disclaimer

This calculator provides an estimate only, based on commonly applied Government of Pakistan civil pension rules and the official EOBI pension formula. Actual pension amounts are determined by the relevant Accountant General / AGPR office or by EOBI, based on verified service records and the latest official notifications. Please confirm your final pension figure with the relevant authority before making financial decisions.