EOBI Calculator Pakistan 2026-27
Calculate monthly EOBI contributions for your employees and estimate the EOBI old-age pension. Contributions are based on the minimum wage, not actual salary.
1. Monthly Contributions
Employer 5% + Employee 1% of the minimum wage, per employee per month
Contribution Breakdown
2. Old-Age Pension Estimate
Pension Estimate
How EOBI Contributions and Pension Work
The Employees' Old-Age Benefits Institution (EOBI) runs Pakistan's old-age pension scheme for private-sector employees. Every month, the employer pays 5% and deducts 1% from the employee's pay, both calculated on the minimum wage, not on actual salary.
Worked Example: 50 Employees at a Minimum Wage of Rs. 40,700
- Employer share: 5% × Rs. 40,700 = Rs. 2,035 per employee
- Employee deduction: 1% × Rs. 40,700 = Rs. 407 per employee
- Total per employee: Rs. 2,442 per month
- For 50 employees: Rs. 122,100 per month (Rs. 101,750 employer + Rs. 20,350 from salaries)
- Per year: Rs. 1,465,200
Old-Age Pension
Men at 60 and women at 55 with at least 15 years of insurable employment receive a monthly pension of average monthly wage × years ÷ 50, or the minimum pension (Rs. 11,500 from 1 January 2025) if that is higher. For example, Rs. 40,700 × 20 years ÷ 50 = Rs. 16,280 per month.
Cloud HRMS deducts EOBI automatically in every payroll run and shows it on each payslip, together with income tax, Social Security (PESSI / SESSI) and Provident Fund.
ای او بی آئی کیسے کٹتا ہے؟
ای او بی آئی کی رقم اصل تنخواہ پر نہیں بلکہ کم از کم اجرت پر بنتی ہے۔ کمپنی 5 فیصد دیتی ہے اور ملازم کی تنخواہ سے 1 فیصد کٹتا ہے۔
مثال: کم از کم اجرت 40,700 روپے ہو تو کمپنی ہر ملازم کے 2,035 روپے اور ملازم 407 روپے ماہانہ جمع کرواتا ہے۔
کم از کم 15 سال کی سروس کے بعد مرد 60 سال اور خواتین 55 سال کی عمر میں ماہانہ پنشن کے حقدار ہوتے ہیں۔ تازہ ترین ریٹس ای او بی آئی سے ضرور تصدیق کریں۔
Frequently Asked Questions: EOBI in Pakistan
Common questions about EOBI rates, registration and old-age pension.