Enter the employee
CNIC, starting BPS, date of joining and the date you want the balance for — today, or the retirement date. Add an opening balance from an old GP Fund statement if you have one.
GP Fund Calculator for Federal Government employees
Enter the CNIC, starting BPS, date of joining and promotions — get the GP Fund contributions, the profit for every fiscal year and the estimated balance on any date, using the official Finance Division rates. Download it all as a working Excel file.
Minimum monthly GP Fund subscription (Rs) by BPS, from each Finance Division Office Memorandum. A row applies from its pay month until the next row. Rows marked Unverified are cited in later orders but their tables are not published online — enter the rates if you have the O.M.
Rate of profit credited on GP Fund balances for each fiscal year (1 July – 30 June), from the Finance Division Resolutions and the Budget Wing’s yearly letters on the rate of mark-up on the State Provident Fund.
Subscriptions
For every pay month from the date of joining to the calculation date, the calculator finds the employee’s BPS (after any promotions) and the minimum subscription for that BPS in the table in force that month. Subscriptions above the minimum, suspension and extraordinary leave are not modelled.
Promotions — Rule 11(2)
“Where on account of promotion or reversion of a subscriber his rate of subscription changes, the change shall take effect only from the 1st of June next.” Choose this rule under Calculation options, or apply the new rate from the promotion month as many offices do.
Profit — Rule 14(2) and (3)
- Profit is credited on the last day of each fiscal year (30 June).
- On the balance at the start of the year: the year’s rate for twelve months.
- On each subscription: the rate from its date of deposit to the end of the year. A recovery from pay is deposited on the 1st of the month in which it is recovered — pay is drawn on the 1st of the following month.
- The total is rounded to the nearest rupee, 50 paisa counting as a rupee.
- In the final year, profit runs only up to the date the balance becomes payable (the calculation date).
Source: General Provident Fund (Federal Services) Rules, updated edition 2017. Rates: Finance Division circulars.
How it works
From joining date to final GP Fund balance
Add the promotions
Each promotion with its month and new BPS. The calculator picks the right BPS and the official subscription for every single month of service.
Read or download
A year-wise statement with the notified profit rate for each year, a month-wise schedule, a printable PDF and a formula-driven Excel workbook.
Official sources only
Every rate links to its Finance Division PDF.
No figure in this calculator is estimated. Where an order exists but its table isn’t published, the tool says so instead of guessing — and lets you type it in from your own copy.
- Subscription tables for BPS 1–22 from the O.M.s of 2008, 2015, 2016, 2017, 2022 and 2026.
- Profit rates for every fiscal year from 2011-12 to 2025-26, from the Finance Division Resolutions.
- Profit worked out exactly as GPF Rule 14 prescribes — opening balance for twelve months, each deposit from its date.
- Promotions from the promotion month or from 1st June next under Rule 11(2) — your choice.
- Rates last checked against finance.gov.pk on 4 November 2026.
GP Fund Calculator FAQs
GP Fund questions, answered
Where do the subscription and profit rates come from?
Every rate is taken from a Finance Division document published on finance.gov.pk — the “Uniform rates of subscription towards General Provident Fund” Office Memoranda for subscriptions and the yearly Resolutions for the rate of profit. Each row in the Rate Changes and Profit Rates tabs links to its PDF.
Why do some months show “no rate”?
The subscription tables issued in 2005 and 2011 are cited in later orders but are not published on the Finance Division website, so their amounts could not be verified. Rather than guess, the calculator counts those months as Rs 0 and tells you. If you have the O.M., enter its rates in the Rate Changes tab and the calculation updates.
How is the profit (interest) calculated?
As laid down in Rule 14 of the GPF (Federal Services) Rules: for each fiscal year (July–June) the notified rate is applied to the opening balance for twelve months and to every subscription from the date it was deposited until 30 June, and the total is rounded to the nearest rupee. In the final year profit runs only up to the calculation or retirement date.
When does a promotion change the deduction?
Rule 11(2) of the GPF Rules says a change in subscription on promotion takes effect from the 1st of June following. Many offices simply change it from the promotion month. You can choose either under “Calculation options”.
What about the years for which no profit rate is announced yet?
The rate for the current year is usually notified after the year ends. Until then the calculator uses the assumed rate you set (the latest notified rate by default) and marks those years “Assumed”.
Can I get it in Excel?
Yes. “Download Excel” gives a workbook with Rate Changes, Profit Rates, Grade Changes and an Employee Calculator sheet built from live formulas — change the CNIC, dates, BPS or a promotion in Excel and it recalculates. “Excel template” gives the same workbook with an illustrative employee.
Is the employee data sent anywhere?
No. The calculator runs in your browser. Saved employees and any rates you type are stored only in this browser on this device.
Does it work for provincial employees?
It is built for Federal Government employees. Provinces issue their own subscription tables and, in some years, their own profit rates — you can enter those in the Rate Changes and Profit Rates tabs, but check them against your provincial Finance Department notifications.
Guides
GP Fund guides
7 min read
GP Fund Subscription and Profit Rates: Complete History with Official Notifications
Every Federal Government GP Fund subscription table for BPS 1–22 since 2008 and every notified rate of profit since 2011-12, with the Finance Division O.M. or Resolution behind each figure.
5 min readHow to Calculate Your GP Fund Balance (Federal Government Employees)
A step-by-step guide to working out a General Provident Fund balance — monthly subscriptions by BPS, promotions, the yearly profit under GPF Rule 14, and a worked example you can check by hand.
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Get in touch
Found a rate that has changed?
If the Finance Division issues a new subscription table or profit rate — or you have the 2005 or 2011 O.M. — send it to us and we will add it for everyone.
contact@asaan.tech