📌 Introduction
Are you a government employee retiring in 2025 or beyond? Whether you’re serving in Khyber Pakhtunkhwa (KP) or under the Federal Government, the AG KPK Pension Calculator is the most reliable tool to estimate your:
- Monthly pension
- Commutation amount
- Gross and net entitlements
- Restoration date
This calculator follows the latest rules and notifications, including the KP Civil Servants Pension Rules, 2021 and relevant Federal Government pension policies, with updates effective October 1, 2024.
🧮 Who Can Use This Pension Calculator?
✅ Government Employees of Khyber Pakhtunkhwa
✅ Federal Government Employees (including teachers, officers, auditors, administrative staff)
✅ Retiring under:
- Superannuation
- Voluntary (Retiring) Pension
- Invalid or Compensation Pension
- Family Pension (in case of death)
🟢 Last Update: July 2025
🟢 Applicable From: October 1, 2024
🔧 How to Use the Calculator
👉 Open: https://www.agkhyberpakhtunkhwa.gov.pk/pencalc/pencalc2.html?t=20241001
Fill out the form with:
- Pension Type: Superannuation, Family, Retiring, etc.
- BPS (Basic Pay Scale): Select from BPS-1 to BPS-22
- Date of Birth, Appointment & Retirement
- Last Drawn Basic Pay
- Pensionable Allowances (if applicable)
- Total Qualifying Service
- Commutation Percentage (Max 35%)
- Department Type: Select “Federal” or “Provincial (KPK)”
💡 The calculator uses pension rules applicable to the selected department type (Federal or KPK), ensuring correct computation.
📘 How Pension is Calculated
Whether Federal or KP, the pension is based on:
- Gross Pension = 70% of pensionable emoluments after 30 years of service
- Pro-Rata Pension = For service between 10–30 years
- Commutation = Optional, up to 35% of gross pension
- Restoration = Commuted amount is restored after a specific period based on age
🔗 Related: LPR Tax Rules – KP
🔗 Related: CP Fund vs GP Fund for Govt Employees
💡 Example Calculation
Civil Servant (Federal):
- BPS-18, Last Basic Pay: Rs. 72,000
- Service: 30 years
- Commutation: 35%
Results:
- Gross Pension: Rs. 50,400
- Commutation: Rs. 17,640
- Net Monthly Pension: Rs. 32,760
- Lump Sum Commutation: Rs. 3,300,000 (approx.)
- Restoration after: ~15 years
The tool auto-adjusts based on your department selection — whether Federal or KP — so you get accurate values every time.
📍 Department-Specific Accuracy (GEO Optimization)
This calculator serves both:
| Government Type | Rules Followed |
|---|---|
| Khyber Pakhtunkhwa | KP Civil Servants Pension Rules, 2021 |
| Federal Government | Civil Servants Act, 1973 + Finance Division notifications |
🌐 Choose your department type on the form to apply the correct rates, commutation factors, and allowances.
✅ Benefits of the Pension Calculator
- 🎯 Accuracy: Based on latest rules & updated commutation tables
- ⏱️ Time-saving: Instant results without paperwork
- 🧾 Financial Planning: Plan for retirement, commutation, and post-retirement income
- 📉 No Excel Needed: All computations handled automatically
- 💼 Transparency: Empowers employees to verify office-generated pension estimates
🔗 Useful Internal Links
- Salary Tax Calculator 2025–26
- Gratuity Rules – KP Employees
- CP Fund Rules – KP 2022
- GP Fund Withdrawal Guide
📬 Need Help?
Facing issues with calculation or not sure about your department’s rules? We can help!
📧 Email: info@seekifyhub.com
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▶️ YouTube: @SeekifyHub
