Pension & Savings Calculators
Defence Saving Certificate
Estimate profit on Defence Saving Certificates at current National Savings rates.
Saving Account Profit
Compare profit rates on bank saving accounts across Pakistani banks.
Pension
Project your pension entitlement based on basic pay and years of service.
Punjab Pension
Calculate Punjab government pension entitlements and commutation.
KPK Pension
Work out KPK government pension entitlements based on your service record.
EOBI Pension
Calculate your expected EOBI pension amount.
NBP Advance Salary
Estimate NBP advance salary limits and repayment schedules.
State Life Insurance
Estimate returns from State Life Insurance policies.
SIP
Project long-term growth of your Systematic Investment Plan.
← Back to Finance Calculators | Loans & Finance Calculators | Tax & Duty Calculators | Pension & Savings Calculators | Islamic Finance Calculators | Utility Bill Calculators | General Finance Tools
About Savings, Pension & Investment Calculators
Pakistan's savings landscape runs on government paper and provident discipline: National Savings schemes at the Central Directorate of National Savings (CDNS), bank deposit accounts priced off the State Bank of Pakistan's policy rate, employer pensions under federal and provincial rules, and EOBI's old-age benefits for private-sector workers. These nine calculators cover the full map. The Defence Saving Certificate (DSC) calculator works out maturity profit on the 10-year certificates (currently around 11.80%), and the savings account profit calculator does the same for everyday bank accounts at roughly 10%. Retirees and serving government employees get three pension tools — the standard federal formula (last emoluments × years of service × 7 ÷ 300, with commutation up to 35%), plus Punjab and KPK variants that apply each province's own rules — and the EOBI pension calculator for private-sector retirees, where the minimum pension stands at Rs 10,000 a month since January 2025. The State Life calculator estimates policy maturity values, the NBP advance salary tool prices National Bank's salary-advance facility, and the SIP calculator shows what a fixed monthly investment compounds into over 5, 10, or 20 years — the quiet engine behind most long-term wealth in a high-inflation economy.
The thread connecting all of them: in Pakistan, doing nothing is a decision too. Cash under the mattress loses value every month to inflation, while even the safest government schemes preserve and grow it. Run the numbers for your amount and horizon before deciding where your money sleeps.
FAQ
What is the current profit rate on Defence Saving Certificates?
Around 11.80% per annum on the 10-year term at the time of writing. CDNS revises National Savings rates periodically with the SBP policy rate — the calculator lets you enter the current rate.
How is a government pension calculated in Pakistan?
Gross pension = last-drawn emoluments × qualifying service (capped at 30 years) × 7 ÷ 300. You may commute (take as a lump sum) up to 35% of it using the commutation table; Punjab and KPK apply provincial variations covered by their own calculators here.
What is the EOBI minimum pension?
Rs 10,000 per month since January 2025, for insured workers who meet EOBI's contribution requirements.
Is a savings account better than National Savings?
Bank savings accounts (around 10%) are liquid — withdraw anytime. National Savings certificates usually pay more but lock your money for their term, with reduced profit on early encashment. Many people ladder both.
What does the SIP calculator assume?
A fixed monthly investment growing at the annual return you set, compounded monthly. It is a planning illustration, not a promise — actual market returns vary year to year.