EOBI Pension Calculator Pakistan
Calculate your monthly pension using the official government formula with 2025-26 minimum wage rates
Your Information
Your Pension Estimate
EOBI Pension Calculator
How to Use the EOBI Calculator
Find Your Contribution Years
Check your work history to estimate your total years of employment covered by EOBI. If unsure, you can check your official EOBI statement online. This is the most important number for the calculation.
Enter Your Years of Service
In the calculator, enter the total number of years you contributed. You do not need to provide your salary or other complex details.
Click "Calculate Now"
Press the calculate button. The tool will instantly compute your pension using the latest government-notified minimum wage and the official EOBI formula.
Understand Your Result
Look at your estimated monthly pension. The tool will clearly show if your amount has been adjusted to the legal minimum (Rs. 11,500) or maximum (Rs. 30,000) pension limit.
Check the Simple Breakdown
Review the breakdown below your result. It shows the exact formula (Minimum Wage × Years) / 50 with the current values, so you see how your pension was calculated.
Verify and Take Action
Use this estimate for planning. For an exact figure, verify your personal contribution record on the official EOBI portal. If contributions are missing, contact the EOBI helpline at 08000-3624.
Note: This tool provides an estimate based on public rules. The final pension is determined by EOBI based on your verified contribution history.
Features of Our Tool
Explore the key features of our specialized EOBI Pension Calculator designed for Pakistani citizens
Accurate & Official
Our tool uses the exact formula that the Employees' Old-Age Benefits Institution (EOBI) has provided.
The official way to calculate your pension uses the minimum wage and the number of years you've made contributions, as shown by 50.
Our system automatically uses the most recent government-set minimum wage and legal pension limits, making sure your estimate is correct and current for planning.
Simple & Instant
This calculator works for anyone and considers only the total number of years you've contributed to EOBI.
No intricate financial misconceptions exist. You can get your pension estimate right away, so there's no confusion.
You can check your future benefits in less than a minute, whether you're based in urban or rural areas.
Clear & Transparent
We believe your result matters to us. For this reason, we provide a clear and easy-to-understand explanation of how your final amount was calculated.
Our explanation covers the formula used, the specific minimum wage amount, and how the legal minimum or maximum pension allowance is applied.
This openness lets you see the real reason behind the number, building trust in the process.
Helpful & Guiding
We are not just providing a number as the answer. We give simple explanations that show what your result means, like the difference between a pension and a grant.
We help you take the important next step by checking your official contribution statement with EOBI to turn this estimate into a real retirement plan.
Our guidance ensures you know exactly what to do after getting your calculation.
Frequently Asked Questions (FAQs)
Click on any question below to see the answer
This confuses almost everyone. Here's the thing: EOBI doesn't use your actual salary to calculate your pension. By law, they have to use the government's official minimum wage (which is much lower than what most people earn). So, even if you were making a good salary, your pension is based on that lower, fixed minimum wage number.
They use a standard formula. Think of it like this: Take the current minimum wage, multiply it by your total years of contribution, and then divide that total by 50.
(32,000 × 25) / 50 = Rs. 16,000 per month.
Yes, absolutely. The government sets these limits to protect people.
- Minimum: No matter how low the formula result is, you won't get less than Rs. 11,500 per month.
- Maximum: Even if the formula gives a huge number, the most you can currently get is Rs. 30,000 per month. The calculator will show you if your amount has been adjusted to these limits.
You need at least 15 years of registered contributions to qualify for the lifetime monthly pension. If you have less than that (but at least 2 years), you'll get a one-time lump sum payment called a grant when you retire, not a monthly income.
You cannot just take their word for it. You must check for yourself. Go to the official EOBI website, use your CNIC to log into the member portal, and look at your contribution statement. This is the only way to see the real record. If payments are missing, you need to contact EOBI's helpline at 08000-3624.
It's all about how long you contributed.
- Pension (15+ years): You get a monthly payment for life after you retire.
- Grant (2-14 years): You get a single, one-time payment when you retire, and that's it.
Use the number you got as a rough guide for your planning. But your very next step should be to check your official EOBI statement online. This calculator is just a tool, but your actual pension depends 100% on what that official statement says. Don't wait until retirement—check it as soon as you can to avoid any nasty surprises later.
Remember: This calculator provides estimates based on standard rules. Your actual pension is determined by EOBI based on your verified contribution history.
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