How is provident fund calculated in Pakistan?

A provident fund accumulates contributions from both employee and employer (typically 8.33% each of basic salary) plus investment returns set by the employer. Use the Moneylyn calculator to project your balance at retirement.

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Provident Fund Calculator — Pakistan

Project your provident fund balance at retirement.

📋 Your details

Current monthly basic salary

Employee contribution

Employer contribution

No single rate is mandated by law — 8%–8.33% matched contribution is common.

Expected annual salary increment

Expected annual return on fund

ℹThis is user-adjustable — your actual return depends entirely on how your employer invests the fund. No single rate is government-mandated for private provident funds. A 10% default is used as a conservative starting point; verify your fund's historical return with your HR department.

Years until retirement: 20

✓ Projected fund value

Estimated value at withdrawal

PKR 18,178,302

Your total contributionsPKR 3,659,493

Employer's total contributionsPKR 3,659,493

Investment growthPKR 10,859,317

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