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Pension and gratuity

Government pension and commutation for federal, Punjab, KP and Sindh employees, private sector gratuity and EOBI pension.پنشن

These calculators work out what you get when you retire in Pakistan. Government employees get a pension of pensionable pay x years of service x 7/300, with up to 35% commuted for a lump sum. Private sector workers get gratuity from the employer and an old-age pension from EOBI.

Start with the pension calculator if you are a government servant. It follows the federal rules of January 2025 and lets you switch to Punjab, Khyber Pakhtunkhwa or Sindh, each of which also has its own page. For the lump sum alone, use the commutation calculator. Private employees should use the gratuity calculator and the EOBI pension calculator.

Pension calculatorGross, net and family pension with the 2025 federal 24-month average rule.Punjab pension calculatorPunjab pension on the three-year average basic pay, rules of 2 December 2024.KP pension calculatorKhyber Pakhtunkhwa pension, commutation and 100% family pension under the 2021 Rules.Sindh pension calculatorSindh pension and commutation with the 2025 voluntary retirement cut.Commutation calculatorPension lump sum for any age, with the full commutation table and restoration.Gratuity calculatorPrivate sector gratuity at 30 days' wages a year, and government gratuity.EOBI pension calculatorEOBI old-age pension, early pension and grant, with the Rs 11,500 minimum.

Which rules apply to you

  • Federal employees retiring on or after 1 January 2025: pension on the average pay of the last 24 months.
  • Punjab employees retiring on or after 2 December 2024: pension on the average basic pay of 1 July in each of the last three years.
  • Khyber Pakhtunkhwa employees: the KP Civil Servants Pension Rules 2021, on last pay, with a 100% family pension.
  • Sindh employees: the West Pakistan pension rules as amended in Sindh, with a cut of 2% to 10% for voluntary retirement since August 2025.
  • New entrants: federal civil servants appointed from 1 July 2024, and new recruits in Punjab, KP and Sindh, are in contributory pension schemes instead.
  • Private sector: gratuity under the Standing Orders and EOBI pension from age 60 (55 for women) with 15 years of contributions.

Common questions

What is the difference between pension and gratuity?

Pension is paid every month for life, to government servants with at least 10 years of service. Gratuity is a one-off payment: in a private job it is 30 days' wages for each year of service, and in government it replaces the pension when service is between 5 and 10 years.

How much is commutation?

Up to 35% of the gross pension, paid as a lump sum equal to the commuted amount x 12 x the years purchase for your age next birthday. At 60 the rate is 12.3719, so commuting Rs 20,000 a month gives Rs 2,969,256.

Can I get both EOBI pension and gratuity?

Yes. Gratuity is paid by your employer when you leave, under the Standing Orders or your contract. EOBI pension is paid by the Employees' Old-Age Benefits Institution from the contributions paid on your behalf, once you reach pension age with 15 years of insurable employment.