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Pakistan Provident Fund (PF) Maturity Calculator

Pakistan Tools Free Updated 4 Oct 2026
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ⓘ About this tool 🔄 Last updated 4 Oct 2026 ✓ Reviewed by TopToolAI Team

Projects the maturity value of a Provident Fund where both employee and employer contribute a percentage of basic salary every month, with interest/profit compounding annually. Enter your basic salary, the contribution rate on each side, the years remaining, and the expected annual rate, to see the projected balance at maturity.

How to use Pakistan Provident Fund (PF) Maturity Calculator

Step-by-step guide to the boxes below. Open it only if you need help.

  1. 1
    Monthly basic salary (PKR) Text

    Your monthly basic salary. Provident fund contributions are a percentage of it.

    Example: 60000

  2. 2
    Contribution rate % (each side) Text

    Common range is 8.33%-10%; check your company policy.

    Example: 8.33

  3. 3
    Years to maturity Text

    How many years until you leave or retire. A longer time means more growth.

    Example: 10

  4. 4
    Expected annual interest rate % Text

    Many funds pay a rate close to the prevailing profit/interest rate.

    Example: 12

  5. 5
    Press “Calculate”

    Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.

  6. 6
    Read your result

    Your answer appears under the button, with a short note in plain words where it helps. Change any box and press again to compare different numbers.

Embed this calculator on your website

Want this calculator on your own site? Copy the code below and paste it into the HTML of any page or post. It works the same as it does here. If you do not mind, leave the small link under it in place.

Pakistan Provident Fund (PF) Maturity Calculator FAQs

Does this match my exact PF statement?
No — it is a projection using a constant rate and contribution. Real funds vary year to year, and some use different employee/employer percentages.
Is PF the same as EOBI or Gratuity?
No. Provident Fund is a separate savings scheme with monthly contributions from both sides; EOBI is a government pension scheme; gratuity is a lump sum tied to years of service.
How does a provident fund work?
You and your employer each contribute a percentage of basic salary every month. The balance grows with interest and is paid out when you leave or retire.
What is the usual PF contribution rate?
Often around 8–10% of basic salary from each side, but it depends on your employer's policy.

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