Your pension details will appear here after calculation.
Pension Calculator Pakistan 2026 is a free online tool specially designed for government employees, retired officers, teachers, police employees, clerical staff, and pensioners who want to estimate their retirement pension accurately.
This pension calculator calculates gross pension, commuted pension, net pension, pension increases, medical allowance, retirement date, and total pension payable instantly using commonly used government pension formulas.
Pension is a monthly financial benefit paid to retired government employees after completing qualifying service. In Pakistan, pension is usually based on the employee’s last basic pay and total years of service.
Pension helps retired employees manage expenses after retirement and provides long-term financial support. Most government employees become eligible for pension after completing required years of service.
Pension calculation in Pakistan is based on official pension rules and retirement formulas. Gross pension is generally calculated as a percentage of the last drawn basic pay.
Gross Pension Formula:
Gross Pension = Basic Pay × 63%
After calculating gross pension, the commuted portion is deducted and the remaining amount becomes net pension.
Commutation is the portion of pension that a retiree receives as lump sum payment at retirement. Usually government employees commute around 35% of pension.
The commuted amount reduces monthly pension but gives immediate financial support at retirement.
Net pension is the remaining pension amount after deduction of commutation. This is the actual monthly pension payable to retired employees.
Pensioners in Pakistan also receive medical allowance in addition to monthly pension. Medical allowance helps retired employees manage healthcare expenses.
This pension calculator also estimates medical allowance and medical increase automatically.
Every year the Government of Pakistan may announce pension increases in annual budgets. Pension increases help pensioners manage inflation and rising living costs.
This calculator automatically includes these pension increases for better estimation.
After calculation, the tool instantly displays:
The standard retirement age for most government employees in Pakistan is 60 years. This pension calculator automatically calculates retirement date based on age 60.
Pension is calculated using basic pay, qualifying service and government pension formula.
Gross pension is the total pension amount before commutation deduction.
Commuted pension is the portion of pension taken as lump sum payment.
Yes, this calculator includes pension increases from 2022 to 2025.
Yes, it uses commonly used pension formulas for estimation.
Yes, this pension calculator is completely free online.