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Pakistan EOBI Pension Calculator 2026

Pakistan EOBI Pension Calculator

Employees' Old-Age Benefits Institution — Contribution & Pension Estimator 2026

Free Calculator
Years of Insurable Service
years
Avg. Monthly Insured Wage (last 12 mo.)
Rs.
EOBI contributions — and the pension formula — are based on your insurable wage, which is capped at the government-notified minimum wage, not your actual gross salary.
Punjab, Sindh, and Khyber Pakhtunkhwa raised the unskilled-worker minimum wage to Rs. 40,000/month effective the 2025–26 budget cycle. EOBI contributions follow this rate, capped regardless of actual salary.
EOBI old-age pension is payable from age 60 for men and 55 for women, subject to a minimum of 15 years' insurable employment.
Rs. 0
Years of Service : 20 years
Avg. Insured Wage : Rs. 40,000
Retirement Age : 60 years
Formula-Based Pension : Rs. 0
Statutory Minimum Pension : Rs. 11,500
Final Monthly Pension : Rs. 0
Estimated Annual Pension : Rs. 0
Eligibility Status : Eligible

Figures referenced from the Employees' Old-Age Benefits Institution (EOBI), established under the Employees' Old-Age Benefits Act, 1976, and from minimum wage notifications issued by the provincial labour departments of Punjab, Sindh, Khyber Pakhtunkhwa, and Balochistan for FY 2025–26.
The old-age pension is calculated as Average Monthly Insured Wage × Years of Service ÷ 50, with a statutory minimum floor that was raised approximately 15% in early 2026 following a federal cabinet decision.
Eligibility requires a minimum of 15 years of registered insurable employment, with the pension payable from age 60 for men and 55 for women.
Contributions are split between employer (5%) and employee (1%) of the statutory minimum wage, not the worker's actual salary, making EOBI a wage-floor-linked scheme rather than an earnings-linked one.
Need expert advice? Contact a retirement & benefits consultant at Aeenx for personalized EOBI registration and pension guidance.
This calculator is for informational purposes only. Always verify your contribution record and entitlement directly with EOBI (eobi.gov.pk) before making retirement decisions.

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