# Pension & Commute Calculation Along with Increases in Pension during Various Years

Now you can do Pension & Commute Calculation with MS Excel Sheet easily in just few seconds. The main feature of this formula is that it includes all the increases of pension during the year 2010, 2011, 2012 and 2013 as well as the Medical Allowance. You have to just enter your basic pay, total length of service and the age rate that is given there in the table too. I will illustrate all about Calculation of Pension & Commute in the given four simple steps:

### Step One: Basic Pay

Enter Your Basic Pay that you last drawn (Also add Senior Post Allowance, Personal Pay, and Usual Increment (If any) Usual Increment is allowed if you retired on or after 1st June.

### Step Two: Calculate Your Total Length of Service

If the service is 6 months or more than a full year then one year will be added in it (Don’t Enter more than 30 if the service exceeds 30 years). For example if your service is 27 years, 6 months and 2 days then your service will be counted as 28 years.

### Step Three: Age Rate

See the Table for Age Rate (If the age is even a single day more than a full year then the next year will be taken for age rate.

### Step Four: Ardali Allowance

Enter the Ardali Allowance (if any) for the employees of BPS-20 and above. This is all that you would have to do. Just see, your pension and commute have been calculated automatically. (This post has been delivered by Mr. Saeed Ahmad).

## Calculation on and after to 01-07-2014:

• bernodshah says:

salam madam........if a person going on retirement on 1o.11.2017 in bps 15 [due to promotion] as PSHT edu,kpk......will he be given annual increment and premture or not,..he was promoted to bps 14 in august 2014.....plz.

Pension related any problems i can help please call me on cell 03332428202 and E mail tayyebpia@gmail.com

• Shakil Ahmed Khan says:

میڈم ! السلام علیکم میں آپ کی درازی۶ عمر ، صحت اور خوش گوار زندگی کے لیے دعا گو ہوں۔ میڈم میری ڈیٹ آف جوائننگ 93-03-17 ہے اور ڈیٹ آف برتھ 1958-11-19 ہے 2018-11-17 کو گریڈ 18 بیسک پے 79890 ریٹائر ہوجاؤں گا۔ازراہِ کرم بتادیجیے کہ میری پنشن کیا ہوگی؟ کمیوٹیشن کیا بنے گی؟ اورکیش ان لیومنٹ کی مد کیا ملے گا؟ میڈم میں آپ کی بے پناہ مصروفیات سے کچھ وقت لے کر اِن باتوں سے آگہی چاہتا ہوں تاکہ بچوں کے لیے کچھ پلان کرسکوں۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔۔ امید ہے جواب سے مایوس نہیں کریں گی۔ شکیل احمد خان

• Shakil Ahmed Khan says:

میڈم آج تین دن ہوگئے محوِ انتظار ہوں کہ آپ 10 جنوری کے سوال کا جواب دیں گی ۔ شاید مصروفیت مانع ہو مگر میڈم پلیز وقت ملنے پر آپ پر میرے سوال کا جواب ضرور دیں ۔ میرے ساتھ کئی دوسرے کولیگ بھی آپ کے جواب کے منتظر ہیں ۔ اُنھیں بھی آگاہی ملے گی ۔ اور اِس ویب سائٹ کے دیگر زائرین بھی آپ کی دی ہوئی معلومات سے فائدہ اُٹھائیں گے۔ شکریہ ۔ ۔ ۔ ۔ ۔ ۔ ۔ ۔ ۔

• Matloob Hussain says:

service above 30 B/salary Rs...68885/= DORmt...31=01=2016 please calculate my commutation amount and net Pension .

• Khalid Malik Fsd says:

AOA. Dear madam! Plz tell me..... 25 years 06 months service will be counted as 26 years or 25 years for the purpose of calculation of pension. Thanks.

madm mera Q? ap se h k jo ap ne pension calculator m
1.7.1986 increase 4.50%
1.7.1987 increase 4.00%
1.7.1988 increase 7.00%
1.7.1990 increase 5.00%
increase add ki hen ap ne yeh gross pension p add ki heen, yeh tu net pension p lagee gi,
2sra Q? 1.7.1990 ki increase ap ne 5.00% lgaie he, yeh tu 10.00% lagae gi.
mehrbani kr k mujhe brief kreen....

Aslam O Elekum,
madam mera Q? yeh h k ap ne jo pension calculator bnaya he us me mujhe thori confusion ho rhi he, wef:
01.07.1986 increase 4.50%
01.07.1987 increase 4.00%
01.07.1988 increase 7.00%
01.07.1990 increase 5.00%
madam, yeh jo ap ne increase pension calculator men add ki hen yeh tu ap ne GROSS Pension p Lgaie hen, yeh tu net pension p lagee gi,
2sra Q? 01.07.1990 ki increase ap ne 5% dali he?
1990 ki tu 10% he.
mehrbani kr k ap thora brief kreen thx to lot...

• sathyaraj says:

i need sample pension calculation format pls explain in detailed and one model sum. my mail id is sathyaraj.b.b.a@gmail.com

• Bailey Coppage says:

Practical piece , I was enlightened by the information . Does anyone know where my assistant could possibly get a sample permit search example to fill in ?

• Umer Khan says:

How to calculate age rate and Communte Factor?

My Basic pay is 26950+this year increment (2695)=29645
My Birth day is= 01.01.1965
I am Retiring on= 30.09.2016
My appointment date= 01.01.1990

What will be the amount of Commute and monthly pension amount after retirement?

• Baht Jamal says:

• Baht Jamal says:

Dear please calculate my pension and commutation. My particular as under
Dob . 25. 2. 1965
D. Of appointment 1. 10. 1084
Date of retirement as leave encashment. 31. 12. 2016
Basic pay scale 9
Basic pay 26330

• Atta says:

Hi Dear,

Can you please elaborate that in 1986, Army way of calculation of pension was different than Civilian

Regards

Atta

• Zaker Hussain says:

Ma'm, Hope you doing well.
I am going to retire in July 1st 2015. My basic pay at retirement will be 35600, D.O.B is 16.05.1963 and joining govt service date is 07.02.1987.
Can you pl calculate my commute and pension for me.
Thanks

Very Good Calculater. Helpfull For Every User

I m on LPR. My particulars are as under. Plz calculate my commutation & monthly net (take home) pension:

Date of Birth: 30.11.1961
Date of Appointment: 29.04.1985
Date of Retirement: 01.08.2016 (my LPR will end on 31.07.2016)
Basic Pay: Rs. 33,250/- (At the time of Retirement i.e. 01.08.2016)
Pay Scale: 14

Regards

• ABDUL SATTAR ARAIN says:

My name is Abdul Sattar Arain.
Date of Birth 3/8/1973
Date of Joining : 12/2/1990
Date of Retirement 15/2/2005
My Pension at the time of retirement Rs. 2500 (Full Pension not commuted)
My Current Pension is Rs. 12000/- (after increase from 2005 to 2015)
Completing 26 year of my service on 11/2/2016
Please tell me amount of my commutation.

thanks

• ayub says:

DOB 3/4/1969
BPS-17
BASIC PAY 47511
Date of service 17/1/1987

what will be commutation and monthly pension after 27 years of service.

• Khalid Karim says:

How to calculate the interest of General provident fund for a year?

• ShumailaKamal says:

Dear Khalid Karim the formula of the same is available at this website.

• Sher ahmed says:

Aoa sister u r doing good job for employees plaz tell me my net pension and commute my Basic pay 22865 + pp 990+ this year pp 495=total 24350 service 25 years dob 18;6;1971 d of appiontment 12;5;1990 d of retirement 30:9:2015 p scale 9

• ShumailaKamal says:

Dear Sher ahmed, Plz email all these details to Mr. Amir Agha whose contact detail is available at my website under the heading "CONTACT US" Thanks

• Aun says:

Plz provide full pension detail
Date of Birth 29-05-1957
Date of Appt 23-11-1976
Date of Death During Service 09-06-2014
last Basic Pay 24400
Total service 37y 06m 16days
BPS 16

• Aun says:

A.O.A Medam mery father ki death during service 09-06-2014 ko hoi thi un ki D.O.B 29-05-1957 D.Appt 23-11-1976 r wo BPS 16 Basic pay 24400 thi tu ye bataye k meri mother ki pension kitne ho gi r commutation kitna ho ga Q k abi tk pension nhi hoi so plz ansr zarur dyna

• ShumailaKamal says:

Dear Aun, Plz email all these details to Mr. Amir Agha whose contact detail is available at my website under the heading "CONTACT US" Thanks

• Shakil Ahmed Khan says:

قابل صد احترام محترمہ شمائلہ کمال صاحبہ السلام علیکم:
اگر 1993-3-17 کو سروس جوائن کی ہو اور2018-11-17 کو 25 سال کی مدت ملازمت ہواور ریٹائرمنٹ کے وقت عمر 60 سال ہو اور گریڈ 18 اور بنیادی تنخواہ اُس وقت 50ہزار ہوتو ازراہِ کرم بتائیے کہ کمیوٹیشن اور پنش کیا بنے گی ۔ امید ہے جواب سے مطلع فرمائیں گی ۔ شکریہ اِس کے علاوہ لیو انکیشمنٹ کیا بنے گا ازراہِ کرم اِس کے بارے میں بھی بتائیے گا جبکہ کوئی لونگ لیو پوری سروس میں نہ لی ہو

• ShumailaKamal says:

Dear Shakil the estimated value will be as under:
Commute 1515557.75
Net Pension 40765.54

• Shakil Ahmed Khan says:

قابلِ صداحترام محترمہ شمائلہ کمال صاحبہ السلام علیکم : جواب کے لیے تہہ دل سے شکرگزار ہوں ۔ میڈم پلیز لیو ان کیش منٹ کی رقم سے بھی مطلع فرمادیجیے کہ وہ کتنی بنتی ہے ۔اور کیا ایک سال کی تنخواہ مع تمام الاؤنسز ملتی ہے یا صرف بیسک ؟ اللہ تعالیٰ آپ کی خدمات کو شرفِ قبول فرمائے ، بلاشبہ آپ سرکاری ملازمین کی آگہی کے لیے گراں قدر خدمات انجام دے رہی ہیں ۔ اللہ تعالیٰ آپ کو خوش رکھے۔

• ShumailaKamal says:

Dear Shakil Ahmed Khan leave encashment main sirf Basic Pay shamil hay aour yeh 365 days leave in credit ki soorat main 12 months ki milay gi.

• yasir hayat says:

i retired on medical ground in A catagoery 80% my BPS-09 , DOB-11-09-1988 ,DOJ -31-03-2008 DOR- 16-04-15 Basic pay was 8000 plz calculate pension and commute for me.i m waiting plz mail me

• Hayat Khan says:

#Yasir Hayat
bro...ap se kuch zarori malomat karni hy
Aap plz mujy apna email address ya koi or rabity ka ka nmbr dy
Shukria
regards Hayat Khan

• ShumailaKamal says:

Dear Yasir Hayat plz email me all these details.

• NAJEEB says:

Please calculate the pension with detail.
Date of birth 12-05-1955
Date of appointment 07-09-1995
Date of retirement 11-05-2015
Total service 20 years
Basic Pay 25,200/-
BPS 16
Deptt Military Lands & Cantonments
Thanx

• ShumailaKamal says:

Dear Najeeb the details are as under:
Commute 611072.88
Net Pension 16436.66

• NAJEEB says:

Dear my Principal retired at 20 years service in BPS-16, age 60. his basic pay is Rs.25200/-. What will be Pension/Commutation. Secondly kia unko encashment 06 month/ 01 year ka mille ga. Leave account me 406 leave credit me hen.

• ShumailaKamal says:

Dear Najeen unko 365 days ki leave encashment milay gi. For pension and commute calculation plz provide the following information:
Total Service at the time of retirement
Total Age at the time of retirement
Date of Retirement
Basic Pay
BPS
Department

Thanks

• Mehboob says:

am really surprised looking your website for pension calculations and other problems. It was a big problem for employees to know the calculations. you solved the problem and this is a "sadqa Jaria" all peoples will wish you while benefiting from this. I once again appreciate your this activity. May ALLAH bless you and always sprinkle countless blessing on you and your family.

Madam I have a question. Please try to answer me. I would like to know that I joined a federal govt service in 21 Sep, 2000 and on 31st May 2009 (after almost 9 years) our department restructured by the govt and our scales converted from BPS to SPS. initially the service was pensionable but now we have no pension benefit. Please let me know am I eligible for pension having 9 years service? Best regards

• ShumailaKamal says:

Dear Mahboob, thanks for appreciating mine efforts for the employees. Dear just email to Mr. Amir Agha for the details of pension. You can see his contact detail at this site under the heading "Contact Us".

• Asif says:

Dear Miss, my brother is law was a High Secondary School teacher in Punjab. He died during his job on 20.08.2013, he was teacher from 1997 on temporary basis and in 2009 he was confirmed. Can you please guide me about how much service is required to take pension? Your earlier response will highly be appreciated.

• ShumailaKamal says:

Dear Asif as a general minimum 9 years and half years service is necessary but I have heard that is has been reduced to 5 years yet i failed to get the Notification of 5 years service. It is better you consult the account/pension cell for full details.

my date of superannuation retirement i.e. 29.08.2014.
when I will be able to get double pension (20____)

date of birth 13/08/1954......date of 1st appointment ,,,,1/07/1976.
Basic pay at 1/12/2013 is 21000. how mush pension ptc teacher,,,kindly juldy my e mail ahmadnwa@yahoo.com this is all about my father agr kul purso tk nai btaya to pta nai mera kia hal kury ga,,,,cell 03329303169 just for immidiate reply

• ShumailaKamal says:

Dear Ahmad ud din u did not mentioned the Pay Scale Number, Plz mention the same alongwith total service Thanks

i dont know about pay scale number, ,,,ptc teacher
ha BPS-12 or 9 i think.

• ShumailaKamal says:

Dear Ahmad Ud Din for pension as the stage of pay u mentioned is not exists in BPS-09 there fore I asked for you for the exact pay scale number. Plz email me the correct information Thanks

• vilnius educology university says:

It is in reality a nice and helpful piece of information. I'm

Please stay us up to date like this. Thanks for sharing.

Dear I want retirement at 25 years in BPS 18. My basic pay will be Rs.56000/=, at next birth day my age will be 52 years, What will be my Net Pension and Commutation?
Thanks

• ShumailaKamal says:

Dear Riaz Ahmad ur pension & Commute will be as under:
Commute 2333086.00
Net Pension 41313.70

madam agr koi 10000 basic pay pr retired hota hy us ki service 29 years hoti hy aur age 48 year to uski monthly pension kitni bny gi plz bta dain

• ShumailaKamal says:

Dear Latif the detail as as under:
Commute 558887.83
Net Pension 8777.75

• MIrzaman says:

Thanks to Shumaila Kamal.

ye net pension ha ya es main increase include han.

• ShumailaKamal says:

Dear yeh net pension hay jis main sub increases ko add kar kay as well as medical allownace shamil kia gia hay.

ok but ap ne increase kun kun c inculdue ke han kise year ke.

• ShumailaKamal says:

Dear Shahid the increase in the year 2010,2011,2012 & 2013 are included in it as well as Medical Allowance.

• pervaiz ahmed says:

As salaam u alaikum , Madam this my pension decrease withou any intimation from cmp lahore or from NBP a list sent by cmp lahor to the bank NBP in which the many pensioners effected . my previous. pension i am getting Rs 9767/= after as per list pension raised from list that is 9879/= the raised difference only net Rs 112/= now please help me where mistake done by my side or the bank side i dont know about this . if you ask any question i will send u by email . thats it

• ShumailaKamal says:

Dear Pervez it is better you send via email the scanned copy of the pages related to pension of ur pension book as well as the letter of the detail of pension at the time of retirement.

Dear Sister & colleagues

Hope you all would be fine and doing great guns. I want to ask a question from Miss. Shumaila that she has developed wonderful ready to cook recipe for us and by this way one can check his pension/gratuity in blink of a second but I need clarification that pension so given as a result in the last column whether it is inclusive of medical allowance or without medical allowance, thanks a lot.

My regards.

• ShumailaKamal says:

Dear Shehzad thanks for ur appreciating towards mine efforts. Dear the net pension in the last columns includes all the increases of pension during various years as well as the Medical Allowance.

Once again, thanks a lot mam, I shall be every thankful to your good self, stay blessed and happy forever, ameen

• ShumailaKamal says:

• Abdul Haleem says:

I would like to know federal government rules for calculation of proportionate pension. Pension to be share by two or more departments. With kind regards.

• ShumailaKamal says:

Dear Abdul Haleem I am working on this topic and soon u ll see the post at mine site. Thanks

• Ejaz Aslam Khan says:

Assalam u allaikum

A few correction to be made your chart Medical Allowance admissible on Net Pension plus increase of 01.07.2010

Regards

• ShumailaKamal says:

Dear Ejaz Aslam I have already done the same. Thanks

Dear Sister,

Hope you would in best of your health and spirits. I owe to thank you for your splendid work and help extended to almost all the govt employees. We thank you once again. Keep your work going as you are helping millions and taking their prayers in return.

My sincere regards.

• ShumailaKamal says:

U r welcome dear Shehzad and thanks for appreciating mine efforts for the Employees of Pakistan.

• Iftikhar Malik says:

thanks for information,now your pension and commutation is accurate.it is simple and useful,it is a goodwork I personaly admire your honest strugle.

• ShumailaKamal says:

U r welcome dear Iftikhar.

• BuKHARi says:

Salam,

What is the Pensionable Service? Is it 10 Years regular Qualifying Service as a Permanent Employee.

I am asking for the reason that For Long Term Advances i have heard minimum 10 years regular qualifying service as a Permanent Employee ..

Thnkx..

• ShumailaKamal says:

Dear Bukhari, 10 years service is for special cases not for the normal retirement.

• Ubedullah says:

10 years qualifying service as a permanent employee is necessary for pension

• BuKHARi says:

Thnx a Lot Ubedullah !

• Iftikhar Malik says:

Madam!Mn ne aap ka pension &commutation formula apply krtay huway calculation ki h,mgr es mein thhora difference aa raha h.i,e pay Rs.63000/-PM length of service 30 yrs .12,3719
Gross pension Rs.44100/- 65%=28665/- 35%=15435/- commutation=2291523/ net pension (including increases ,2010,2011.2012,2013,Rs.21375/48) = Rs.50040/48 + Medical Allowance 20% on net pension =5733/ Total Rs.55773 jb aap k formula k mutabiq net pension Rs.62550/61 h.please inform me why this difference accures. I,ll be oblige.

• ShumailaKamal says:

Dear Iftikhar Now again calculate the same I have checked it and made necessary amendments. Now it is 100% accurate as i checked it from the Pension slip of an employee.

• ghulammustafabhatti says:

A.O.A THANKS FOR MADAM FOR REPLY AND WEL COME AND ALSO BE ACCEPT BEST WISHES . AND REQUESTED FOR ESTABLISHED THE FOURM FOR HELPING THE NON GIVEING THE PAYMENTS AS PER THE ISSUED NOTIFICATION FOR INCREASES ALL KIND TO THE POOR AND HELP LESS EMPLOYEES . SAME HELP HAS BEEN GIVEN BY YOUR GOOD INFORMATION WEB . THANKS PLEASE.

• ShumailaKamal says:

U r welcome Dear Ghulam Mustafa for appreciating my work for the needy ones.

• Ubedullah says:

Medical Allowance admissible on Net Pension plus increase of 01.07.2010, after that it remain same ..... and Medical Allowance for BPS-16 and above is 20%

Regards

Ubedullah
Sr Auditor/ Pension Section
DA PPO Lahore
0333-7588416

• ShumailaKamal says:

Thanks Dear Ubedullah for such nice info. Plz can you comment here the full detail of the adding of increases in Pension during various years with full detail or just email me Thanks

• Ubedullah says:

G. Pension 17,640.00
35% Comt. 6,174.00

Net Pension. 11466
15% 1720
MA 20% 2637
15% 1978
20% 3033
10% 1820

• Ubedullah says:

• Ubedullah says:

Medical Allowance admissible on Net Pension plus increase of 01.07.2010, after that it remain same ..... and Medical Allowance for BPS-16 and above is 20%

• Ejaz Aslam Khan says:

Assalam u allaikum

Masha Allah ap ne bhot accha pension / comuted ka excal farmula dya he samj lain ap ne samundar ko kozey me band kar dya sab khuch teak he sir medical allowance me ghalti he kyun ke medical allowance retired personnel ko 30-06-2011 (01-07-2010) ke izafe tak he bane ga ap se guzarish he is me durastagi kar ke dobara farmula jari kari

allah ap ko ajjar de

• ShumailaKamal says:

Thanks dear Ejaz Aslam Khan, for appreciating mine effort, I ll correct the same soon.

• ghullammustafa bhatti says:

A.O.A THANKS DEAR MADAM SENDING THIS NICE INFORMATION FOR ALL EMPLOYEES PLEASE. MAY ALLAH PAK GIVE HELP AND ALSO FOR BEST FUTURE . AND OTHER THE HAND GIVEN ONE OTHER FORM FOR HELP THOSE NON GIVING THE ALL INCREASES TO ALL AS PER SPIRT OF NOTIFICATION SUCH ALL SEND VIA YOUR SIDE. THANKS ACCEPT BEST WISHES RAGARDS.

• ShumailaKamal says:

Thanks dear Ghulam Mustafa for admiring mine little effort.