Disclaimer: Ye calculator sirf andaza (estimate) deta hai aur federal civil pensioners ke basic rules par based hai. Ad-hoc pension increases, orderly allowance, ya department-specific rules is mein shamil nahi. Exact figures ke liye AGPR / apne accounts office se rabta karein.
Ye Pension Calculator Pakistan federal government employees (BPS 1–22) ke liye hai jo retirement se pehle apni gross pension, 35% commutation lump sum, net monthly pension aur medical allowance ka andaza lagana chahte hain. Sirf average basic pay, service ke saal/months, BPS grade aur commutation option enter karein — result foran screen par aa jata hai. Tool bilkul free hai, koi signup nahi, aur aapka data aapke browser se bahar nahi jata.
How to use Pension Calculator Pakistan
- Average Basic Pay daalein — retirement se pehle aakhri 24 months ki average basic (pensionable) pay. Agar aapko average maloom nahi to apni last basic pay daal kar rough andaza le sakte hain.
- Service saal aur months mein likhein (jaise 28 saal 7 months). Tool 6 months ya zyada ko pura saal count karta hai aur service ko 30 saal par cap karta hai.
- BPS Grade select karein: BPS 1–15 (medical allowance 25%) ya BPS 16–22 (medical allowance 20%).
- Commutation choose karein: 35% commute (lump sum + 65% monthly) ya commutation nahi (100% monthly pension).
- Agar 60 saal se pehle retire ho rahe hain to Commutation Factor apni age ke mutabiq official table se badal dein (default 12.3719 sirf 60 saal ki superannuation ke liye hai).
- “Pension Calculate Karein” dabayein — qualifying service, gross pension, commuted lump sum, net pension, medical allowance aur total monthly amount table mein nazar aayega.
Government Pension Calculation Formula Pakistan (as used by this tool)
Neeche wali table mein wahi formulas hain jo is calculator ka code istemal karta hai. Ye federal civil pensioners ke basic rules par based hain — Finance Division ke 2025-26 pension reforms ke baad average pay ka concept (aakhri 24 months) apply hota hai, jabke 7/300 ka gross pension formula wahi hai.
| Step | Formula / Rule | Note |
|---|---|---|
| Qualifying Service | Saal + (months ≥ 6 ? 1 : 0), maximum 30 | 6 months ya zyada = pura saal; 30 saal se zyada service ka pension par asar nahi |
| Minimum Service | 10 saal | 10 saal se kam par aam taur par gratuity milti hai, pension nahi |
| Gross Pension | (Average Basic Pay × Service × 7) ÷ 300 | 30 saal par gross pension = average pay ka 70% |
| Commutation (max) | Gross Pension × 35% | Ye monthly hissa lump sum ke badle surrender hota hai |
| Commuted Lump Sum | (Gross × 35%) × 12 × Commutation Factor | Factor 12.3719 = 60 saal superannuation (tool default) |
| Net Pension (with commutation) | Gross Pension × 65% | Commutation restore hone tak monthly milti hai |
| Net Pension (no commutation) | Gross Pension × 100% | Koi lump sum nahi |
| Medical Allowance | Gross × 25% (BPS 1–15) ya Gross × 20% (BPS 16–22) | Tool gross pension par apply karta hai, net par nahi |
| Total Monthly | Net Pension + Medical Allowance | Ad-hoc increases aur orderly allowance shamil nahi |
Commutation calculation Pakistan — factor by age
Commutation factor retirement ki umar par depend karta hai: jitni kam umar par retire honge, factor utna zyada hoga (kyunke expected pension period lamba hai). Is tool mein sirf 60 saal ka factor 12.3719 built-in hai. Baaqi ages ke liye Finance Division ki official commutation table (Pension-cum-Gratuity Scheme) dekhein aur wahi value factor box mein daalein — hum yahan koi andazan table nahi de rahe taake aapka hisaab ghalat na ho.
2025-26 pension reforms — kis par apply hoti hain?
Federal Government ne 2024-25 aur 2025-26 mein pension rules mein kai tabdeeliyan kin: pension ab last drawn pay ke bajaye aakhri 24 months ki average pensionable emoluments par calculate hoti hai, multiple pensions par pabandi lagi, aur annual increase ka base badla gaya. Sab se bara farq ye hai ke 1 July 2024 ke baad bharti hone wale naye federal employees purani defined-benefit pension ke bajaye Contributory Pension Fund Scheme mein aate hain — un ki pension is formula se nahi banegi. Ye calculator apne note ke mutabiq maujooda (pre-2024 recruited) federal civil employees ke basic rules follow karta hai. Provincial governments (Punjab, Sindh, KP, Balochistan) ke reforms alag timeline par hain.
Worked example: Rs 80,000 pay, 30 years service, age 60
Farz karein aik BPS-17 officer 60 saal ki umar par retire ho raha hai, average basic pay Rs 80,000, service 30 saal 0 months, 35% commutation, factor 12.3719 (default). Tool ka output ye hoga:
| Line | Calculation | Result |
|---|---|---|
| Qualifying Service | 30 saal (cap 30) | 30 saal |
| Gross Pension | (80,000 × 30 × 7) ÷ 300 | Rs 56,000 / month |
| Commuted Lump Sum (35%) | 56,000 × 0.35 × 12 × 12.3719 | Rs 2,909,871 (one time) |
| Net Pension (65%) | 56,000 × 0.65 | Rs 36,400 / month |
| Medical Allowance (20%, BPS 16–22) | 56,000 × 0.20 | Rs 11,200 / month |
| Total Monthly (approx.) | 36,400 + 11,200 | Rs 47,600 |
Agar wahi employee BPS 1–15 mein hota to medical allowance 25% = Rs 14,000 aur total monthly Rs 50,400 banta. Aur agar commutation na li jaye to net pension poori Rs 56,000 + medical allowance milti, lekin Rs 29 lakh ka lump sum nahi milta. Yaad rakhein — ye figures mein baad ke ad-hoc pension increases shamil nahi hain, is liye asal pension slip par amount thora mukhtalif ho sakta hai.
Common mistakes
- Gross salary daalna: Formula sirf basic (pensionable) pay par chalta hai — house rent, conveyance ya adhoc relief allowance shamil na karein.
- Last pay vs average pay: 2025-26 rules mein aakhri 24 months ki average pay use hoti hai; sirf last month ki pay daalne se pension thori zyada dikhegi.
- 30 saal se zyada service count karna: 32 ya 35 saal service par bhi gross pension 30 saal (70%) par hi ruk jati hai.
- Early retirement par 60 saal wala factor use karna: 55 ya 58 saal par retire hone par commutation factor mukhtalif hota hai — official table se value lein.
- Medical allowance ko net pension par lagana: Tool (aur rule) medical allowance gross pension par lagata hai, commuted net par nahi.
- Naye contributory-scheme employees ka is se hisaab karna: July 2024 ke baad bharti hone wale federal employees par ye formula apply nahi hota.
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FAQs
Government pension calculation formula Pakistan kya hai?
Federal civil employees ke liye Gross Pension = (Average Basic Pay × Qualifying Service × 7) ÷ 300 hai, jahan service maximum 30 saal count hoti hai. 30 saal par ye average pay ka 70% banta hai. 2025-26 rules mein average pay aakhri 24 months ki pensionable emoluments hai.
35% commutation formula kya hai aur lump sum kaise nikalta hai?
Commuted Lump Sum = (Gross Pension × 35%) × 12 × Commutation Factor. 60 saal par retire hone par factor 12.3719 hai. Misal ke taur par Rs 56,000 gross pension par lump sum taqreeban Rs 29.1 lakh banta hai aur monthly net pension 65% yani Rs 36,400 reh jati hai.
Net pension calculator mein medical allowance kaise add hota hai?
Pensioners ko medical allowance gross pension ke percentage ke taur par milta hai: BPS 1–15 ke liye 25% aur BPS 16–22 ke liye 20%. Ye calculator medical allowance gross pension par lagata hai aur phir net pension mein add kar ke total monthly amount dikhata hai.
Family pension rules Pakistan — pensioner ki wafat ke baad kya milta hai?
Pensioner ki wafat par family pension widow/widower ko milti hai, aur bachon ko rules ke mutabiq. Aam rule ke tahat family pension gross pension ka aik fixed hissa hoti hai (federal rules mein taqreeban 75% tak, department aur case ke hisaab se). 2025-26 reforms ne family pension ki duration aur eligibility (jaise beti/behen ke liye time limit) mein bhi tabdeeli ki hai. Ye calculator family pension nahi nikalta — exact hissa AGPR ya apne accounts office se confirm karein.
Pension ke liye minimum service kitni chahiye?
Pension ke liye kam az kam 10 saal qualifying service chahiye; is se kam service par gratuity milti hai. Voluntary/retiring pension ke liye aam taur par 25 saal service required hai, jabke superannuation 60 saal ki umar par hoti hai. Tool 10 saal se kam service par pension calculate nahi karta.
Commutation ke baad poori pension kab restore hoti hai?
Commuted hissa (35%) commutation period mukammal hone par restore ho jata hai — ye period commutation factor ke saalon ke barabar hota hai (60 saal par taqreeban 12 saal, yani 72 saal ki umar ke qareeb). Us ke baad 100% gross pension plus increases milne lagti hai.
Kya ye pension calculator Punjab, Sindh, KPK ke employees ke liye kaam karta hai?
Gross pension ka 7/300 formula provincial governments mein bhi taqreeban same hai, lekin commutation factor, medical allowance rate, average pay ka rule aur reforms ki timeline har province mein alag ho sakti hai. Provincial employees is tool se rough andaza lein aur apne District Accounts Office se final figure confirm karein.
Kya July 2024 ke baad bharti hone wale employees ki pension isi formula se banegi?
Nahi. 1 July 2024 ke baad federal government mein naye bharti hone wale employees Contributory Pension Fund Scheme mein aate hain, jahan pension employee aur government ke contributions aur fund return par depend karti hai — 7/300 wala defined-benefit formula un par apply nahi hota. Ye calculator sirf purane pension rules wale employees ke liye hai.
Last updated: September 2026. Ye pension calculator sirf andaza deta hai — apne accounts office / AGPR ke official pension calculation aur Finance Division ke notification ko hamesha tarjeeh dein.