Are you a retired public sector employee or planning your retirement? Our Pension Calculator Pakistan 2025 helps government employees easily estimate their monthly pension and gratuity based on their last basic salary, years of service, and commutation percentage.
This free tool is designed specifically for:
- Retired government employees (federal/provincial)
- Teachers, doctors, police, army, and public servants
- Anyone planning for post-retirement financial security
Pension Calculator for Government Employees – Pakistan
How is Pension Calculated in Pakistan?
The general pension formula for government employees is:
👉 Gross Pension = (Last Basic Salary × Service Years) ÷ 30
- If service is less than 30 years, pension is calculated proportionally.
- Maximum pension is capped at last drawn basic salary.
- Commutation (usually 35%) allows employees to receive a lump sum gratuity, but reduces monthly pension.
Example:
If your last basic salary is 100,000 PKR and you served 30 years, your gross pension = 100,000.
- With 35% commutation, you get a lump sum gratuity and a reduced monthly pension.
Why Use Our Pension Calculator?
✅ Quick pension & gratuity estimation
✅ Easy-to-use for all employees
✅ Based on standard Pakistan government formulas
✅ Free online tool for financial planning
💡 Note: This calculator provides an estimate. Exact pension may vary based on government rules, allowances, and notifications.