How it is calculated
The monthly pension is a share of the last basic pay. Longer service means a higher share:
Monthly pension = last basic pay × pension rate
Yearly pension = monthly pension × 12
| Service | Pension rate (share of basic) |
|---|---|
| 25 years or more | 90% |
| 20 to below 25 years | 72% |
| 15 to below 20 years | 54% |
| 10 to below 15 years | 36% |
| 5 to below 10 years | 20% |
| Below 5 years | 0% |
This is a simplified estimate of the Finance Division scale — the real scale is slabbed by exact years of service. Rates are still unverified.
Examples
Example 1: last basic ৳40,000, service 27 years → 25+ year slab, rate 90%.
- Monthly = ৳40,000 × 90% = ৳36,000
- Yearly = ৳36,000 × 12 = ৳432,000
Example 2: grade 9 starting basic ৳44,000 (2026 scale), service 22 years → 20+ year slab, rate 72%.
- Monthly = ৳44,000 × 72% = ৳31,680
- Yearly = ৳31,680 × 12 = ৳380,160
Example 3: basic ৳25,000, service 12 years → 10+ year slab, rate 36%.
- Monthly = ৳25,000 × 36% = ৳9,000
- Yearly = ৳9,000 × 12 = ৳108,000
2026 pay-scale starting basics (for comparison)
To sanity-check the basic you enter — a few 2026 starting basics: grade 9 ৳44,000, grade 13 ৳24,000, grade 16 ৳21,900, grade 20 ৳20,000. See the full scale in the Pay Scale 2026 calculator.
More: gratuity, lump sums and PRL
This calculator estimates only the monthly pension. Retirement in practice involves more: PRL (post-retirement leave) paid at the basic-pay rate, converting part of the monthly pension into a one-time lump sum (commutation/gratuity), and family pension for the family after the pensioner’s death.
Their rates and conditions are set by Finance Division rules and change over time. So for an exact lump-sum or PRL figure, check the Finance Division website or talk to your office accounts section.