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Pension Calculator KPK 2026

Khyber Pakhtunkhwa government pension under the KP Civil Servants Pension Rules 2021: last pay, 7/300 formula, 35% commutation and 100% family pension.
FederalPunjabKPSindh
Service

Day, month, year

Day, month, year

Day, month, year. Leave blank for retirement at 60

Pay

Rs
Rs

Special, personal or technical pay, senior post allowance

Allowed when you retire on or after 1 June, six months after the 1 December increment

Rs
%

0 to 35%. Most retirees commute the full 35%.

Monthly pensionKP rules
Net pension per month
56,739Rs
Qualifying service 28 years, 7 months, 5 days, counted as29 years
Pensionable emoluments Last pay drawn plus special pay, personal pay, technical pay and senior post allowance, plus one increment129,000
Gross pension 129,000 x 29 x 7/30087,290
Commuted portion (35%)− 30,552
Net pension per month56,739
Commutation lump sum x 12 x 12.3719, age next birthday 604,535,761
Family pension after death56,739
Show the working
  1. Qualifying service: 28 years, 7 months, 5 days. 7 months is six or more, so it counts as a full year: 29 years.
  2. Pensionable emoluments: 125,000 = Rs 125,000, plus one increment of Rs 4,000 = Rs 129,000.
  3. Gross pension: Rs 129,000 x 29 x 7 / 300 = Rs 87,290 (67.67% of emoluments).
  4. Commuted portion: 35% of Rs 87,290 = Rs 30,551.50.
  5. Lump sum: Rs 30,551.50 x 12 x 12.3719 (age next birthday 60) = Rs 4,535,761.
  6. Net pension: Rs 87,290 minus Rs 30,551.50 = Rs 56,739 a month.

KP pension is emoluments x qualifying service (10 to 30 years) x 7/300. Under rule 11 of the KP Civil Servants Pension Rules 2021, emoluments are your last pay plus special, personal and technical pay and senior post allowance, and one increment if you retire on or after 1 June.

The example loaded is a KP employee retiring at 60 in August 2026 on a last basic pay of Rs 125,000.

KP rules that differ from federal

  • Last pay, not an average. The 2021 Rules use pay drawn at retirement. We found no KP notification adopting the federal 24-month average.
  • Family pension is 100% of the gross or net pension (rule 10(3)). After a pensioner's death the family gets the full net pension, not 75%. The spouse draws it for life or until remarriage, unmarried daughters until marriage, sons until 21 and disabled children for life.
  • Retiring pension is allowed after 25 years of qualifying service or at age 55, whichever is later (rule 5). The 2021 Rules have no percentage cut for early retirement.
  • Commutation of up to 35% is optional (rule 13). For superannuation the rate for age 60 applies.
  • Death in service: the family gets a gratuity in lieu of 25% of the pension at the commutation rate for the deceased's age next birthday, and 75% as family pension (rule 12).

Worked example

Last basic pay Rs 125,000 plus one increment of Rs 4,000 for retiring after 1 June. Service 28 years 7 months.

Step Working Result
Emoluments Rs 125,000 + Rs 4,000 Rs 129,000
Service 7 months counts as a year 29 years
Gross pension Rs 129,000 x 29 x 7/300 Rs 87,290
Commuted 35% 35% of Rs 87,290 Rs 30,551.50
Lump sum Rs 30,551.50 x 12 x 12.3719 Rs 4,535,761
Net pension Rs 87,290 minus Rs 30,551.50 Rs 56,739 a month
Family pension 100% of net pension Rs 56,739

Death in service: family pension and gratuity

A KP employee dies in service at 50 after 20 years, on emoluments of Rs 129,000.

  • Gross pension: Rs 129,000 x 20 x 7/300 = Rs 60,200
  • Family pension (75%): Rs 45,150 a month
  • Gratuity for the other 25%: Rs 15,050 x 12 x 17.6526 (age next birthday 51) = Rs 3,188,060

Pick "Death in service" in the calculator to work out your own case.

KP pension increase 2026

The KP government raised pensions by 7% from 1 July 2026, on the net pension drawn on 30 June 2026, including family pension.

GovernmentBudgetIncreaseFromApplied to
KP2026-277.0%1 July 2026Net pension on 30 June 2026

Increases are added after retirement and are not part of the figure the calculator shows.

This follows the KP Civil Servants Pension Rules 2021 as published in the Gazette of 6 September 2021. We could not find a gratuity rule for KP service under 10 years in those Rules, so the calculator does not estimate one. The Accountant General KP also publishes its own calculators; use them or your District Accounts Office to confirm the final figure.

KP pension questions

How is KP pension calculated?

Add your last basic pay and any special, personal or technical pay and senior post allowance. Add one increment if you retire on or after 1 June. Multiply by qualifying service in years, up to 30, and by 7/300. You may commute up to 35% of the result for a lump sum.

What family pension does KP pay after a pensioner dies?

100% of the net pension the pensioner was drawing, under rule 10(3) of the 2021 Rules and the AG KP guidance. In the example above that is Rs 56,739 a month. Federal pensioners' families get 75%.

Can a KP employee retire early?

Yes, after 25 years of qualifying service or at age 55, whichever comes later. The pension is worked out on the service you have, with no extra percentage cut in the 2021 Rules. The lump sum uses the commutation rate for your age next birthday.

Is commutation compulsory in KP?

No. Rule 13(2) says a retiree may draw the full gross pension without commuting. If you commute, the limit is 35% of gross pension. Set the commutation share to 0 in the calculator to see the full pension.

Sources: Khyber Pakhtunkhwa Civil Servants Pension Rules 2021 (Gazette of 6 September 2021), rules 3, 5, 10 to 13 and 15; Accountant General Khyber Pakhtunkhwa pension guidance; KP pension increase notification of July 2026; commutation table of 2001.

Last reviewed 29 September 2026. Results are estimates; official notices always take precedence.