Your pension details will appear here after calculation.
If you are a government employee in Pakistan approaching retirement, or already retired and trying to make sense of your pension slip, this free Pension Calculator Pakistan 2026 is built specifically for you. It estimates your gross pension, commuted pension, net pension, medical allowance, and all applicable pension increases in a few seconds, using the pension formulas most commonly applied to federal and provincial civil servants.
Who should use this calculator? This tool is designed for BPS-1 to BPS-22 government employees, school and college teachers, police constables and officers, clerical and secretariat staff, and retired railway and provincial employees who want a realistic estimate of their monthly pension before submitting official retirement papers. It is equally useful for serving employees who are years away from retirement and simply want to plan ahead, and for pensioners who want to double-check whether their current pension slip reflects the correct annual increases.
What does it calculate? Enter your date of birth, date of joining, and last basic pay, and the calculator works out your retirement date, total qualifying service, gross pension, the commutation amount at your chosen percentage, the resulting net pension, medical allowance, and the cumulative effect of pension increases announced between 2022 and 2025 — all in one result screen, with no manual formula work required.
Why is this calculator different? Many pension estimators online stop at a single flat percentage of basic pay. This page goes further: it explains exactly how each figure is derived — qualifying service, commutation, restoration, and medical allowance — so you understand the "why" behind the number, not just the number itself. That matters in Pakistan specifically, because pension rules interact with year-specific budget increases, and a calculator that ignores those increases can understate a pensioner's real entitlement by a significant margin.
This page has been updated for 2026 to reflect the pension increases announced through the most recent federal budgets, and is built around the pension mechanics used for most Pakistan government employees — whether you fall under AGPR (federal), or a provincial Accountant General office in Punjab, Sindh, KPK, or Balochistan.
Government pension in Pakistan is not a single flat number — it is built up from several components. Here is what each one means and how it is generally calculated.
Qualifying service is the number of years of service that officially count toward your pension, generally measured from your date of joining to your date of retirement. Most sanctioned duty periods and earned leave count toward qualifying service, while breaks such as extraordinary leave without pay typically do not. Qualifying service is capped at a maximum of 30 years for pension calculation purposes, even if an employee has served longer.
"Emoluments" usually refers to your last drawn basic pay, though some pension cases use an average of pay over a recent period. This figure is the base on which your gross pension is calculated, so an accurate last basic pay (including any due increments) is essential for a realistic estimate.
The gross pension formula most commonly applied to Pakistan government employees is:
Gross Pension = (Emoluments × Qualifying Service in Years × 7) ÷ 300
At the maximum 30 qualifying years, this works out to exactly 70% of emoluments. For example, an employee with 25 qualifying years would receive roughly 58.3% of emoluments as gross pension, before commutation. This formula-based approach is more accurate than a flat percentage, because it correctly rewards longer service.
Commutation lets a retiring employee convert part of their monthly pension into a one-time lump sum at retirement — up to a maximum of 35% of gross pension. The lump sum amount depends on the employee's age at retirement and an official age-based commutation factor table. Commuting reduces the monthly pension for a restoration period (commonly around 12–15 years, or until a set age, depending on applicable rules), after which the commuted portion is restored and monthly pension returns to the full gross level plus all increases accumulated since retirement.
Net pension is simply gross pension minus the commuted portion — this is the amount actually paid out monthly until restoration. If an employee chooses not to commute any pension, net pension equals gross pension from day one.
Pensioners also receive a separate medical allowance on top of their monthly pension, generally a fixed amount set by government notification rather than a percentage of pension, which may itself be periodically revised.
Almost every federal budget announces a percentage increase applied to existing pensions, to help offset inflation. This calculator incorporates the recent increase percentages:
These increases compound year over year and are generally applied to gross pension before restoration, and to the full restored pension afterward — a detail that is easy to miss in simpler calculators but meaningfully affects a pensioner's current entitlement.
The examples below use round numbers purely to illustrate the formula. Use the calculator above with your own basic pay and service dates for a personalized estimate.
A teacher retiring with a last basic pay of Rs. 45,000 after 28 qualifying years would have a gross pension of roughly (45,000 × 28 × 7) ÷ 300 ≈ Rs. 29,400 per month. Commuting 35% would release a lump sum based on the commutation table, reducing monthly net pension to about Rs. 19,110 until restoration, before medical allowance and pension increases are added. If you're also estimating retirement benefits paid in a lump sum, our Gratuity Calculator is a useful companion tool for this scenario.
A police officer with a last basic pay of Rs. 60,000 and 25 qualifying years would have a gross pension of approximately (60,000 × 25 × 7) ÷ 300 = Rs. 35,000 per month, before commutation and increases. Police cadres sometimes have department-specific rules for hazard-duty allowances counted toward emoluments, so figures should be verified with the department's accounts branch.
A clerical staff member with a last basic pay of Rs. 32,000 and 30 qualifying years reaches the maximum 70% replacement rate: gross pension ≈ Rs. 22,400 per month. Because this employee has hit the 30-year cap, additional years of service beyond this point would not increase the pension formula further.
A BPS-17 officer retiring with a last basic pay of Rs. 90,000 after 26 qualifying years would have a gross pension of approximately (90,000 × 26 × 7) ÷ 300 = Rs. 54,600 per month, before commutation. This is also a good point to cross-check your last basic pay itself using our Pay Scale Increment Calculator, and to check overall take-home impact using the Salary Tax Calculator while still in service.
| Term | Description |
|---|---|
| Gross Pension | Full monthly pension before commutation, based on emoluments and qualifying service. |
| Commuted Pension | One-time lump sum received by giving up part (up to 35%) of gross pension. |
| Net Pension | Monthly pension actually paid after commutation is deducted. |
| Restoration | Point at which the commuted portion is restored and full gross pension resumes. |
| Medical Allowance | Fixed monthly amount paid to pensioners on top of pension. |
| Pension Increase | Annual percentage raise announced in the federal budget. |
| Qualifying Service | Gross Pension (% of Emoluments) |
|---|---|
| 15 years | 35.0% |
| 20 years | 46.7% |
| 25 years | 58.3% |
| 30 years (maximum) | 70.0% |
Based on the (Years × 7 ÷ 300) formula commonly used for Pakistan civil pension. Actual figures may vary by department and applicable notification.
After calculation, the tool instantly displays:
The standard retirement age for most government employees in Pakistan is 60 years. This calculator automatically derives your retirement date from your date of birth on that basis. Some employees are eligible for voluntary or premature retirement earlier, generally once minimum qualifying service (commonly 25 years) has been completed, subject to departmental rules.
Gross Pension = (Emoluments × Qualifying Service in years × 7) ÷ 300, capped at 30 qualifying years, which corresponds to 70% of emoluments.
Gross pension is the full monthly pension amount before any commutation is deducted.
Net pension is the monthly amount actually paid after commutation is deducted from gross pension.
Commuted pension is the lump sum received by giving up part of monthly pension, usually up to 35% of gross pension.
Thirty years is the maximum qualifying service generally counted, giving roughly 70% of emoluments as gross pension before commutation and allowances.
It is the portion of total service counted toward pension, generally from date of joining to date of retirement, subject to departmental rules.
Most sanctioned duty and earned leave count; extraordinary leave without pay generally does not, though this should be confirmed with your service book.
The commuted portion is restored and monthly pension returns to the full gross level plus increases applied since retirement.
Yes, serving employees can estimate future pension using projected basic pay and expected qualifying service.
The government periodically sets a minimum monthly pension floor through Finance Division notification; the current figure should be verified with the latest circular.
Family pension is paid to eligible dependents after a pensioner's death, generally as a percentage of gross pension.
Government pension income, including commuted pension, generally receives favorable tax treatment, but current FBR rules should be confirmed.
Medical allowance can be revised in government budgets, though not necessarily every year or by the same percentage as pension increases.
The standard superannuation age is 60 years for most federal and provincial employees.
Yes, employees completing minimum qualifying service (commonly 25 years) may be eligible for voluntary or premature retirement with pension.
It is typically a fixed monthly amount set by notification rather than a percentage of pension.
Typically service book, last pay certificate, CNIC, retirement notification, and prescribed pension application forms.
It uses the general civil pension formula; army, railway, and some autonomous bodies may follow separate rules, so treat results as an estimate for these cadres.
Differences can come from department-specific pay fixation, non-qualifying periods, pending revisions, or Finance Division instructions not reflected in a general calculator.
Yes, this calculator includes pension increases from 2022 to 2025.
It uses commonly applied government pension formulas for estimation; figures should be verified with your accounts office before making retirement decisions.
Yes, this pension calculator is completely free to use online.
This Pension Calculator Pakistan 2026 was built to give government employees a fast, formula-based estimate of their retirement pension, using rules and percentages that are commonly applied across federal and provincial civil pension cases. It is maintained and updated as new pension increase notifications are announced.
Estimates on this page are based on the gross pension formula (Emoluments × Qualifying Service × 7 ÷ 300, capped at 30 years), a maximum commutation rate of 35% of gross pension, and the pension increase percentages announced in the 2022–2025 federal budgets. These are the formulas most commonly used across Pakistan's civil pension system, though individual cases can differ based on department-specific notifications.
This tool provides an unofficial estimate for planning purposes only. It is not a substitute for your official Pension Payment Order (PPO), which is finalized by your Accounts Office (such as AGPR or your provincial AG office) based on your verified service record. Always confirm final figures with your department before making retirement decisions.
Last Updated: July 2026