PenSal - Pension & Salary App

PenSal – Pension & Salary Estimator for Pakistan Civil Servants

PenSal is a simple, easy-to-use estimation utility built for civil servants of Pakistan — covering federal employees as well as employees across Punjab, Sindh, Khyber Pakhtunkhwa, and Balochistan. Estimate your pension at retirement, and your take-home salary after the annual increment, in seconds.

PENSION ESTIMATOR
Enter basic inputs to generate instant estimates for:
✔ Estimated Average Pay (with option to edit it for promotions or time scale revisions)
✔ Estimated Early Retirement Adjustment (with customizable penalty percentage)
✔ Estimated Monthly Pension, including adhoc relief and medical allowance
✔ Estimated Commutation / Gratuity
✔ Estimated Leave Encashment
Choose between Superannuation, Voluntary Retirement and In-Service Death cases.

Side-by-Side Comparison View
PenSal's unique comparison layout allows you to view calculated estimation benchmarks for federal and provincial structures side by side on a single screen to evaluate regional differences.

Clear Result Breakdown
View results in easy Summary, Breakdown and Comparison tabs, and tap through to see how key figures such as average pay, gross pension, commutation and medical allowance were calculated.

Save, Share & Export
- Save your pension and salary estimates in History for quick offline reference anytime
- Share your estimates as a PenSal Card
- Export pension reports as PDF

Why PenSal?
- Designed for Pakistani civil service estimation needs
- Covers federal and provincial pension calculation models
- Pension and salary estimation in one app
- Clean, simple interface
- No login required, no registration needed

Note: All generated values are for personal estimation and planning purposes only and may vary from official calculations. Please verify all final figures with your relevant official pension office or Accounts Office.

DISCLAIMER & NOTICE:
PenSal is an independent, non-governmental utility calculator developed solely for informational estimation purposes. It DOES NOT represent, facilitate, or have any official affiliation with any government entity, department, or official agency of Pakistan. All estimates provided are based on publicly accessible pay scales, tax slabs and civil service pension rules. For official pension processing, salary or tax figures, please consult your respective AGPR or provincial Accountant General office.

OFFICIAL GOVERNMENT DATA SOURCES:
The public data frameworks and rules referenced for estimations in this app originate from official notifications published by the respective Finance Departments:
- Federal Finance Division: https://finance.gov.pk
- Finance Department, Government of Sindh: https://finance.gos.pk
- Finance Department, Government of Punjab: https://finance.punjab.gov.pk
- Finance Department, Government of KPK: https://finance.gkp.pk
- Finance Department, Government of Balochistan: https://finance.gob.pk