🏦 Provident Fund

Provident Fund Calculator Pakistan

Calculate your GPF or EPF balance at retirement. See how much your fund will grow with employee + employer contributions and annual interest.

Fund Details

Adjust values to see retirement balance

Fund Type

GPF (Govt)

EPF (Private)

Basic Monthly Salary Rs 80,000

Employee Contribution 8.33%

GPF standard: 8.33% of basic salary

Employer Contribution 8.33%

Years of Service 25 Years

Annual Interest Rate 14%

GPF rate ~14% p.a. (declared annually by Govt.)

Annual Salary Increment 5%

Total Fund at Retirement

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After — years of service

Employee Total

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Your contributions

Employer Total

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Company contributions

Interest Earned

—

Compounded annually

💡 Monthly Income Equivalent

—

Per month for 20 years (at 12% drawdown)

—

Last drawn salary

Composition at Retirement

Fund Growth by Year

Year-by-Year Breakdown

Year	Salary	Emp Contrib	Empr Contrib	Interest	Balance

Understanding Provident Funds in Pakistan

A Provident Fund (PF) is a mandatory retirement savings scheme in Pakistan where both the employee and employer contribute a percentage of the employee's basic salary each month.

GPF (Government)

For civil servants & govt employees
Rate: ~14% p.a. (varies annually)
Contributions: 8.33% of basic salary
Managed by Accountant General

EPF (Private Sector)

For private sector employees
Rate: market-linked or fixed
Both employer & employee contribute
Regulated under Companies Act

Frequently Asked Questions

When can I withdraw my provident fund in Pakistan?

For GPF, full withdrawal is allowed upon retirement (60 years for civil servants), resignation, or dismissal. Partial advances are available for specific purposes — house construction, children's education, medical treatment, and marriage. For EPF, withdrawal rules are governed by the individual company's provident fund rules.

Is provident fund taxable in Pakistan?

Under Pakistan's tax laws, provident fund contributions and accumulated balances are generally exempt from income tax. Employer contributions up to 10% of basic salary are exempt. However, if you withdraw before completing the prescribed service period, some portion may become taxable. Consult FBR or a tax advisor for your specific situation.

What is the current GPF interest rate in Pakistan?

The Government Provident Fund (GPF) rate is declared by the government each year. Historically it has been around 12–16% p.a., linked to the National Savings rate. The rate for 2023-24 was approximately 14.5%. Check the Finance Division's official notifications for the current year's rate.