Provident Fund Estimator

Provident Fund Estimator is an independent financial estimation tool designed to help employees estimate their Contributory Provident Fund (CP Fund), Gratuity, and Leave Preparatory to Retirement (LPR) benefits.

This application is NOT an official government application. It is a privately developed utility that helps users perform estimated calculations based on publicly available government rules and pay structures.

The app simplifies complex financial calculations and allows employees to get an approximate idea of their future benefits without performing lengthy manual calculations.

This tool is particularly useful for employees working under the Government of Khyber Pakhtunkhwa (KP) who want to estimate their potential retirement benefits through transparent and easy calculations.

Provincial Pension System Information

Pakistan currently follows different pension systems across its provinces. The Governments of Khyber Pakhtunkhwa, Punjab, and Balochistan have introduced the Contributory Provident Fund (CP Fund) pension system for eligible employees under their respective rules. However, the Government of Sindh continues to follow the previous pension system and has not adopted the Contributory Provident Fund scheme in the same manner.

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## KEY FEATURES

• CP Fund Calculation
Automatically calculates employee contribution (10%) and estimated government contribution.

• Government Contribution Rules
Applies 10% government contribution for service before June 7, 2022 and 12% for service on or after June 7, 2022 according to publicly available rules.

• Flexible Profit Rates
Users can select different annual profit rates (9%–22%) to see estimated compound interest growth.

• Automatic Annual Increments
Includes increment logic based on BPS and appointment date.

• Gratuity Estimation
Estimate gratuity based on service period.

• LPR Cash Estimation
Estimate Leave Preparatory to Retirement (LPR) benefits.

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SOURCE OF GOVERNMENT INFORMATION:

The calculation rules used in this application are based on publicly available information from the official websites of the relevant Government Finance Departments and official government publications.

Official Sources:

Federal Defined Contribution Pension Fund Scheme Rules, 2024
https://agp.gov.pk/SiteImage/Downloads/federal%20govt%20defined%20contribution%20pension%20fund%20scheme%20rules%202024.pdf

Khyber Pakhtunkhwa Contribution Provident Fund Rules, 2022
https://www.finance.gkp.pk/article/contributory-provident-cp-fund-rules-2022

Punjab Defined Contribution Pension Scheme Rules, 2025
https://finance.punjab.gov.pk/system/files/Punjab%20Defined%20Contribution%20Pension%20Scheme%20Rules%2C%202025.pdf

Balochistan Defined Contribution Pension Rules
https://balochistancode.gob.pk/lawdir/78379c4b-3cee-4267-8fe6-01507a43c454.pdf

NWFP Contributory Provident Fund Rules, 2006
https://www.finance.gkp.pk/article/the-nwfp-contributory-provident-fund-rules-2006

Official Source:
https://kp.gov.pk/page/departments
https://www.kprts.gov.pk/wp-content/uploads/2023/08/RTS-CP-Fund-Regulations-.pdf
https://kpcode.kp.gov.pk/homepage/RuleDetails/1512

Users can verify the applicable rules directly from the official government websites.

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DISCLAIMER:

This application is NOT affiliated with, endorsed by or representing the Government of Pakistan , the Government of Khyber Pakhtunkhwa, the Government of Punjab, the Government of Balochistan, the Government of Sindh, or any other government entity.

Provident Fund Estimator is an independent tool developed by Qi Soft for informational and estimation purposes only.

The calculations provided by this application are estimates and should not be considered official financial records. The applicable pension or provident fund scheme depends on the relevant government's rules and the employee's eligibility. For official figures and verification, users should consult their department's Accounts Office or the Accountant General (AG) Office.