Calculate EOBI monthly contributions (employee + employer) and estimated pension at retirement in Pakistan 2025. Based on current EOBI rates and minimum pension of Rs. 10,000/month.
Your current monthly wages (EOBI insurable wage capped at Rs. 50,000)
Years you have already contributed to EOBI
Retirement age in Pakistan is 60 for men, 55 for women
Enter values above to see results
Monthly Pension = max( (Insurable Wage × Service Years) / 50 , Rs. 10,000 )Insurable WageMonthly wage capped at maximum insurable wage (Rs. 50,000)Service YearsTotal qualifying years of EOBI contribution50EOBI divisor factor per ordinanceRs. 10,000Current minimum monthly pension guaranteed by EOBIEOBI provides a defined monthly pension on retirement (age 60 for men, 55 for women) after a minimum of 15 years of qualifying contributions. The pension formula uses insurable wages (capped at the maximum) multiplied by years of service divided by 50. The government guarantees a minimum pension of Rs. 10,000/month regardless of the formula result.
EOBI is Pakistan's primary pension safety net for private-sector workers, yet many employees have little idea what pension they will actually receive at retirement. This calculator shows your monthly employee and employer contributions, projects your total qualifying service years, and estimates your monthly pension using the official EOBI formula — while guaranteeing the Rs. 10,000 minimum.
Enter your monthly gross wage, the years you have already contributed to EOBI, and the years remaining until you retire. The calculator applies the 1% employee rate (capped at Rs. 50,000 insurable wage), shows your employer's 5% alongside it for context, and estimates your monthly pension at retirement.
An employee earning above the insurable wage cap, with 5 years already contributed and 20 to go before retirement.
Estimated pension Rs. 25,000/month for life, after lifetime contributions of Rs. 150,000.
Because the insurable wage is capped at Rs. 50,000, earning more than that does not raise your EOBI pension.
A lower-wage worker who reaches exactly the 15-year minimum qualifying period.
Pension Rs. 10,000/month — the guaranteed minimum, since the formula falls below it.
EOBI tops any qualifying pension up to the Rs. 10,000 minimum, but treat that as a floor, not a retirement plan.
Many Pakistani workers don't realize their EOBI pension will be quite modest — even after 30 years, the formula gives around Rs. 30,000/month at the maximum insurable wage. Seeing this number early motivates supplemental retirement saving through provident fund, voluntary savings, or property investment.
A common mistake is believing EOBI is sufficient for retirement. The Rs. 10,000–30,000 monthly pension will cover very little given Pakistan's inflation rate. EOBI should be seen as a baseline — not a retirement plan. Also note: contributions are only valid if your employer actively deposits them to EOBI. You can verify your registration and payment history on the EOBI portal.
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