Retirement planning is crucial for government employees, and understanding your pension benefits is essential for financial security. The Punjab Government Pension Calculator is a user-friendly digital tool designed to help employees estimate their post-retirement income accurately. Whether you’re nearing retirement or just planning ahead, this calculator provides clear insights into your expected pension based on Punjab government rules.

What Is the Punjab Pension Calculator?

The Punjab Pension Calculator is an online tool that computes:
✅ Monthly & Annual Pension Amounts
✅ Commuted Pension (Lump Sum Option)
✅ Family Pension Benefits
✅ Gross vs. Net Pension Calculations

It considers factors such as:

• Last Basic Salary

• Years of Service

• Medical & Other Allowances

• Pension Type (Normal, Commuted, or Family Pension)

Key Features of the Calculator

1. Easy-to-Use Interface

The calculator has a clean, intuitive design with clearly labeled input fields, making it accessible for all users, regardless of technical expertise.

2. Multiple Pension Options

• Normal Pension – Full monthly pension payments

• Commuted Pension – Option to take a lump sum amount in exchange for reduced monthly payments

• Family Pension – Calculations for spouse/dependents after the employee’s death

3. Accurate Calculations Based on Government Rules

The tool follows official Punjab government pension policies, including:

• 70% of last basic salary for employees with 25+ years of service

• Prorated pension for those with 10–24 years of service

• 12-year commutation factor for lump sum calculations

4. Detailed Results Breakdown

After entering details, users receive a comprehensive summary, including:

• Basic Pension

• Medical & Other Allowances

• Gross vs. Net Pension

• Annual Pension Estimate

• Pension Start Date

How to Use the Calculator?

1. Enter Basic Pay – Input your last drawn salary.

2. Select Grade – Choose your BPS grade (1-15, 16-17, 18-19, or 20-22).

3. Input Service Years – Minimum 10 years required.

4. Add Allowances – Include medical & other applicable benefits.

5. Choose Pension Type – Normal, Commuted, or Family Pension.

6. Click “Calculate” – Get instant results!

Why Use This Calculator?

✔ Financial Planning – Helps estimate retirement income before official processing.
✔ Comparison Tool – Compare normal vs. commuted pension options.
✔ Transparency – Eliminates guesswork with government-approved calculations.
✔ Mobile-Friendly – Works seamlessly on phones, tablets, and desktops.

Example Calculation

Result:

• Basic Pension: PKR 70,000 (70% of last salary)

• Gross Monthly Pension: PKR 71,500 (including allowances)

• Annual Pension: PKR 858,000

Conclusion:

The Punjab Government Pension Calculator is an essential tool for government employees, retirees, and financial planners. With its accurate calculations, easy-to-understand results, and mobile-friendly design, it ensures users can plan their retirement with confidence.

🔹 Try the calculator today and take control of your financial future!