Pension Calculator 2025 – Complete Guide in Pakistan

If you are a government employee and want to understand how the Pension Calculator 2025 will affect your retirement benefits, this guide is for you.

Here are the 10 most important points you must know 👇

Urdu translation of these points is attached in following image

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🟦 1. Applicable For 🏛️

📌 Pension Calculator 2025 will be effective for all Federal and Provincial Government employees.

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🟩 2. Service Period 📅

📌 For Federal employees (last 2 years) and Punjab employees, pension will be calculated on the average salary of the last 3 years.

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🟨 3. Gross & Net Pension 💵

📌 Both Gross Pension and Net Pension will be calculated for full transparency.

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🟧 4. Baseline Pension 📝

📌 According to the new Finance Division Notification, the baseline pension will be determined at the time of retirement.

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🟥 5. Commutation Option ✔️

📌 If an employee does not want to commute pension (take lump sum in advance) and prefers a 100% monthly pension, this option will be allowed.

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🟪 6. Admissibility 🌍

📌 The pension framework will apply to employees of Federal Government, Punjab, Sindh, Balochistan, and Khyber Pakhtunkhwa.

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💙 7. Medical Allowance 🏥

📌 All retirees will continue to receive Medical Allowance after retirement.

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💚 8. Effective Date 📌

📌 The new pension scheme will become effective from July 2025.

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💛 9. Retirement Window ⏳

📌 Employees who retire between July 2025 and 30 June 2026 will be covered under this scheme.

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❤️ 10. Pension Calculator File 📑

📌 You can download the official Pension Calculator 2025 Excel File to check your exact pension figures.

👉 ⬇️ Click Here to Download Pension Calculator 2025 Excel File

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💡 Final Note

✨ The Pension Calculator 2025 is a step towards transparency and fairness in pensions.

Employees are advised to review their pension calculations carefully and plan their retirement wisely. 🌟