Calculate your EOBI (Employees Old-Age Benefits Institution) monthly contributions and estimate your retirement pension in Pakistan. Covers both employee (1%) and employer (5%) contribution calculations with 2026 minimum pension amount.
Step 1. Enter your monthly wage (contributions calculated on insurable wage ceiling if above limit).
Step 2. Enter your years of service with EOBI-registered employers.
Step 3. Enter current age and planned retirement age (minimum 60 years for standard pension).
Step 4. The calculator shows monthly contributions, total accumulated contributions, and estimated pension.
With the default inputs loaded in the form, the calculator produces a starting result you can use as a baseline. Change one field at a time to compare a new scenario.
EOBI (Employees Old-Age Benefits Institution) provides mandatory social security coverage for industrial and commercial workers in Pakistan. Every employer with 5 or more employees must register with EOBI.
The employee contribution is 1% of the insurable wage, and the employer contributes 5%. The insurable wage ceiling has been periodically revised — contributions are calculated on a wage ceiling set by EOBI, not unlimited actual wages.
The minimum monthly pension from EOBI is Rs.10,000 as of 2026. The actual pension received depends on years of qualifying service (pensionable service) and contributions paid.
EOBI also provides invalidity pension, survivor pension for dependents, and old-age grant for those who do not meet the minimum service requirement for full pension.
Standard old-age pension starts at age 60 with minimum 15 years of insurable employment. Women can receive pension at 55. Invalidity pension is available at any age for permanent disability.
The minimum monthly EOBI pension is Rs.10,000 as of 2026. The federal budget periodically increases this amount. Actual pension may be higher based on qualifying service and contributions.
EOBI pension is generally not subject to income tax in Pakistan. It is treated as a welfare benefit, not employment income.
EOBI contributions are linked to your CNIC — they follow you across employers as long as all employers are registered with EOBI. Your qualifying service accumulates across all registered employers.
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Disclaimer: Results from this calculator are for informational and planning purposes only and do not constitute financial, legal, or professional advice. Always verify important calculations with a qualified professional.
