Government pension calculator (federal employees)
سرکاری ملازمین کی پنشن کیلکولیٹر
Estimate your monthly pension, the cut for early (voluntary) retirement and the family pension. For staff appointed on or after 1 July 2024, see the contributory scheme below.
Gross pension uses the standard rule of 7/300 of the average emoluments for each year of qualifying service (70% at 30 years). AGPR or your accounts office issues the official calculation; check your pension case with them.
Contributory pension scheme (appointed on or after 1 July 2024)
Key rules (Finance Division)
- Pension basis: average pensionable emoluments of the last 24 months of service, from 1 January 2025.
- Increases: 7% from 1 July 2026 and 7% from 1 July 2025, added to the baseline (net) pension as separate amounts; the baseline is reviewed every three years.
- Voluntary retirement: after 25 years' qualifying service, with 3% less gross pension for each year before superannuation, up to 20%.
- Family pension: 75% of the pension being drawn (cases from 10 September 2024); other family members after the spouse for up to 10 years.
- Minimum pension: Rs 12,000 a month, and Rs 9,000 for family pension (the latest notified minimum, from 2023).
- Contributory scheme: civil employees appointed on or after 1 July 2024; employee 10% and government 12% of running basic pay.
Questions
How is federal government pension calculated?
Gross pension is worked out from your average pensionable emoluments over the last 24 months of service (from 1 January 2025) and your qualifying service. The standard rule gives 7/300 of the average for each year of service, which is 70% at the maximum of 30 years.
What is the penalty for voluntary retirement?
Voluntary retirement is allowed after 25 years of qualifying service. Pension is reduced by 3% of gross pension for each year before the normal retirement age, up to a maximum of 20%.
How much is family pension?
For deaths on or after 10 September 2024, family pension is 75% of the pension the pensioner was drawing. After the spouse, other family members receive it for up to 10 years (disabled children for life, and children until 21 or for 10 years, whichever is later).
Did pensions increase in 2026?
Yes. The Finance Division allowed a 7% increase from 1 July 2026 on the baseline pension, after 7% from 1 July 2025. Increases are added to the baseline as separate amounts.
What about employees appointed after July 2024?
Federal civil employees appointed on or after 1 July 2024 are in the contributory pension scheme: the employee contributes 10% and the government 12% of running basic pay to a pension fund.
From Finance Division office memoranda (finance.gov.pk circulars), checked 30 October 2026. Provincial governments and the armed forces have their own pension rules. Dareecha is not a government website.
