🇧🇩 Bangladesh Government Pension & Retirement Calculator
How the Pension is Calculated in Bangladesh (As per Govt Rule)
According to the official Bangladesh Government Pension Rules, the calculation follows a defined formula:
Monthly Pension = (Last Basic Pay × Service Years) ÷ 60
(Maximum countable service: 33 years)
For example, if a government employee’s basic salary is ৳25,000 and the total length of service is 20 years, the pension amount will be:
(25,000 × 20) ÷ 60 = ৳ 8,333 per month
Similarly, gratuity is calculated as half‑month basic pay per year of service:
Gratuity = ½ × Basic Pay × Service Years
So, using the same example, gratuity = ½ × 25,000 × 20 = ৳ 250,000 (one‑time payment).
These formulas are officially aligned with the Ministry of Finance (MoF) guidelines in Bangladesh. Reference – Bangladesh Finance Division, Pension Rules.
🧮 How This Online Tool Works
This pension tool takes your three main inputs:
1️⃣ Basic Salary (৳) — your last or current basic pay.
2️⃣ Years of Service — total completed service period (up to 33 years max).
3️⃣ Current Age — to calculate retirement age and inflation forecast.
Optional fields:
- Include Gratuity: check to view your one‑time gratuity benefit.
- Inflation Rate: enter expected annual inflation (used to show how purchasing power changes over time).
When you hit the “Calculate Pension”‑button, the tool instantly calculates and shows:
✅ Monthly Pension (BD Govt Rule based)
✅ Gratuity Value
✅ Inflation adjusted future pension (educational estimate)
✅ Total years remaining before retirement
The result appears visually in a green and white chart for easy understanding.
You can also download your pension summary as PDF, a unique feature for Bangladeshi job holders!
🧑💼 How to Use This Bangladesh Pension Tool – Step by Step
1️⃣ Go to the pension calculator page on 👉 BDGovtJob24.com
2️⃣ Enter your basic salary (in Taka).
3️⃣ Type total service years (typically up to 33).
4️⃣ Insert your current age to see remaining years before retirement (usually 60 years for govt service).
5️⃣ Optionally check Include Gratuity and edit Inflation Rate (%) for forecast.
6️⃣ Click “Calculate Pension.”
7️⃣ Result will show Monthly Pension, Gratuity, and Inflation‑Adjusted Figures instantly.
8️⃣ Click “Download Result as PDF” to save your summary locally.
This is the most accurate and policy‑aligned pension calculator in Bangladesh available online in 2025.
📖 Why Use This Tool Before Retirement?
✔ 100% Policy‑Accurate – calculation follows Bangladesh Govt Rule 60 ratio formula.
✔ Free and Easy – No login required, instant results in seconds.
✔ Trustworthy Source – Developed by BDGovtJob24.com, Bangladesh’s trusted government job portal.
✔ Educative – Shows how inflation impacts future private/public retirement benefits.
✔ Visual Charts + PDF download – great for planning and documenting.
If you are a government employee, teacher, police officer, nurse, or working under any public sector organization, this tool will help you plan your retirement financially with confidence.
