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🇧🇩 National Pension Scheme · Retirement Planner · Tax-Free Yields
Universal Pension Scheme Calculator Bangladesh
Calculate your monthly pension return, total deposits, and retirement multiplier for Pragoti, Probash, Surokkho, and Samata packages. Fully aligned with official upension.gov.bd schedules.
How to Use the Pension Calculator
- 1Select your pension package based on your employment status (Pragoti, Probash, Surokkho, or Samata).
- 2Slide the age control to match your current age (18 to 50 years).
- 3Select your preferred monthly contribution tier (ranging from ৳1,000 to ৳10,000).
- 4Review the estimated monthly pension, your total deposits, and lifetime payout breakdowns instantly.
Pension Scheme Comparison Example
- Age 18 (42 years contribution): Contributing ৳2,000/month results in an estimated monthly pension of ৳68,931 at age 60.
- Age 30 (30 years contribution): Contributing ৳2,000/month results in an estimated monthly pension of ৳24,600 at age 60.
- Age 40 (20 years contribution): Contributing ৳2,000/month results in an estimated monthly pension of ৳11,200 at age 60.
*All estimates are calculated based on baseline government tables. Actual payouts might adjust depending on interest rates.
Understand the 4 National Pension Schemes
The National Pension Authority of Bangladesh (NPA) launched four tailored schemes to cater to different segments of the population:
💼 Pragoti (প্রগতি)
For: Private sector employees
Designed for employees of private institutions, commercial companies, or individual corporate entities.
Monthly: ৳2,000, ৳3,000, ৳5,000, or ৳10,000/month
✈️ Probash (প্রবাস)
For: Non-resident Bangladeshis
For NRBs working abroad. Installments can be paid in foreign currencies directly from overseas bank accounts.
Monthly: ৳5,000, ৳7,500, or ৳10,000/month
🧑🌾 Surokkho (সুরক্ষা)
For: Self-employed & informal sector
Tailored for farmers, freelancers, shopkeepers, rickshaw pullers, and other self-employed individuals.
Monthly: ৳1,000, ৳2,000, ৳3,000, or ৳5,000/month
🤝 Samata (সমতা)
For: Low-income citizens
For citizens living below the poverty line (earning < ৳60,000/year). The government subsidizes 50% of the cost.
Monthly: ৳1,000/month (৳500 user + ৳500 gov)
Official Monthly Pension Payout Matrix
Here is a reference baseline matrix showing estimated monthly payouts at age 60 depending on starting age and contribution size:
| Starting Age | ৳1,000 / month | ৳2,000 / month | ৳5,000 / month | ৳10,000 / month |
|---|---|---|---|---|
| 18 Years (42 years contributions) | ৳34,465 | ৳68,931 | ৳1,72,327 | ৳3,44,655 |
| 25 Years (35 years contributions) | ৳19,370 | ৳38,740 | ৳96,851 | ৳1,93,703 |
| 30 Years (30 years contributions) | ৳12,300 | ৳24,600 | ৳61,500 | ৳1,23,000 |
| 40 Years (20 years contributions) | ৳5,600 | ৳11,200 | ৳28,000 | ৳56,000 |
| 50 Years (10 years contributions) | ৳2,300 | ৳4,600 | ৳11,500 | ৳23,000 |
How to Register at upension.gov.bd
To enroll in the National Pension Scheme, you must complete online registration on the official government website. Follow these steps:
1. Identity Verification
Go to the upension.gov.bd portal, accept the terms, select your scheme type, and enter your 10, 13, or 17-digit National ID (NID) number, Date of Birth, mobile number, and email address. An OTP will be sent to verify your identity.
2. Personal & Nominee Details
Provide details of your occupation, current monthly income, and bank account details (including Routing Number for automatic bank debits). Enter nominee details (their NID/Birth Certificate and their share percentage).
Retirement Planning Tips
- 1Start early: Enrolling at 18 yields the highest possible pension payout due to compound interest over 42 years.
- 2Select Samata if you are eligible for social safety net benefits to get the 50% government match.
- 3Expatriates should select Probash to contribute in foreign currencies and secure a pension in BDT.
- 4Pension returns are guaranteed by the sovereign government of Bangladesh, making it a very low-risk retirement asset.
- 5You can manage your pension payments online via the official upension.gov.bd portal.
Universal Pension Frequently Asked Questions
What is the Bangladesh Universal Pension Scheme?
The Universal Pension Scheme (সর্বজনীন পেনশন স্কিম) is a government-backed retirement planning program introduced by Bangladesh in 2023. It aims to provide social security and financial independence to citizens aged 18 to 50 in their old age, offering monthly pensions from age 60 for the rest of their lives.
What are the 4 schemes in the Universal Pension?
1. Pragoti: For private company employees. 2. Probash: For expatriate Bangladeshis living abroad. 3. Surokkho: For self-employed citizens (farmers, freelancers, etc.). 4. Samata: For low-income citizens below the poverty line (where the government pays 50% of the monthly ৳1,000 contribution).
What is the minimum and maximum age of enrollment?
Any Bangladeshi citizen aged between 18 and 50 years can enroll. Individuals over 50 can also join under special terms, but they must contribute for a minimum of 10 years to become eligible for pension payouts.
Is the pension income taxable?
No. As per the official Universal Pension Scheme rules, the pension payouts received after age 60 are completely tax-free under Bangladesh tax laws, and contributions are eligible for tax rebates.
What happens if a subscriber dies before receiving the pension?
If a subscriber dies during the contribution period, all accumulated deposits along with interest will be returned to their nominee. If the subscriber dies after age 60 but before reaching age 75, their nominee will continue to receive the monthly pension for the remaining period (up to age 75).
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