How much pension will I get in Pakistan?

Pension amounts depend on your service years and last drawn salary for government workers. For private sector workers, building a substantial separate fund in Voluntary Pension Schemes (VPS) or Mutual Funds is essential.

Is VPS better than Gratuity?

VPS is an investment-linked saving plan that offers tax credits and growth, while Gratuity is a lump-sum end-of-service statutory benefit provided by your employer. Both are vital for retirement.

How large should my retirement corpus be in Pakistan?

With PKR devaluation, experts suggest accumulating 25 to 30 times your estimated annual retirement expenses to sustain your lifestyle safely through withdrawal.

Can I rely solely on EOBI for retirement?

EOBI provides a very basic minimum pension (currently PKR 10,000/month). Relying solely on EOBI will make it extremely difficult to cover ordinary living costs, let alone medical healthcare.

Retirement Planning Calculator Pakistan

Work out how large your retirement corpus needs to be — and how much to save each month — given your current age, expenses and assumed inflation.

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PakCalc — Free Financial Calculators for Pakistan (Updated 2026)