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2026 Pension Adjustment Simulator · Flat + Service + Level-linked + Age Bonus

Enter monthly pension, service years, retirement age, and province to simulate the 2026 pension adjustment — flat ¥46, tiered service-year bonus (¥1.0–2.5/year), level-linked ratio (1.0–1.5% by province), and senior bonus (¥40–100 from age 65). Fully browser-local.

Overview

Since 2005, China has raised enterprise retiree basic pensions every year. The 2026 mechanism uses three-linked components: a universal flat raise (¥46/month), a tiered service-year bonus (¥1.0–2.5 per year), a level-linked ratio per province (1.0–1.5%), plus a senior bonus from age 65. This tool embeds 11 provinces/national reference rates and runs fully in-browser — no data uploaded.

How to use

  1. Enter your current monthly pension (CNY), e.g. 3000.
  2. Enter service/contribution years (including deemed years), e.g. 25.
  3. Enter your retirement age; if ≥ 65, senior bonus is automatically added.
  4. Select your province (or "National Ref.") — the level-link rate is auto-applied.
  5. The result panel instantly shows all four components, total increase, and new monthly pension.

Formula

2026 Pension Adjustment Formula (reference):

1. Flat adjustment: ΔFlat = ¥46/month (same for all)

2. Service-year bonus (tiered):
   ΔService = floor(serviceYears) × tierRate
     ≤15 yrs: ¥1.0/yr  |  16-25 yrs: ¥1.5/yr
     26-35 yrs: ¥2.0/yr  |  36+ yrs: ¥2.5/yr

3. Level-linked: ΔLevel = currentPension × provinceLinkRate
   (Beijing 1.5%, Shanghai 1.4%, Jiangsu 1.3%,
    Zhejiang/Shandong 1.2%, Guangdong/Hubei 1.1%,
    Sichuan/Henan/Liaoning 1.0%, National 1.2%)

4. Senior bonus (ΔAge):
   65-69: +¥40  |  70-74: +¥60  |  75-79: +¥80  |  80+: +¥100

Total monthly increase = ΔFlat + ΔService + ΔLevel + ΔAge
New monthly pension = current + total increase
Annual gain = total monthly increase × 12

Common scenarios

Scenario 1 · Average retiree · ¥3,000/mo · 25 yrs · Age 60 · National

Flat ¥46 + Service ¥37.5 (25×1.5) + Level ¥36 (3000×1.2%) + Senior ¥0 = ¥119.5/mo increase; ¥1,434 annual gain.

Scenario 2 · Senior retiree · ¥4,000/mo · 30 yrs · Age 72 · Beijing

Flat ¥46 + Service ¥60 (30×2.0) + Level ¥60 (4000×1.5%) + Senior ¥60 (age 70-74) = ¥226/mo; ¥2,712 annual.

Scenario 3 · Long-service · ¥5,000/mo · 40 yrs · Age 62 · Shanghai

Flat ¥46 + Service ¥100 (40×2.5, 36+ tier) + Level ¥70 (5000×1.4%) + Senior ¥0 = ¥216/mo; ¥2,592 annual.

FAQ

When will the 2026 pension adjustment take effect?

Historically, the Ministry of Human Resources announces the scheme in March–April each year, retroactive to January 1. Provinces typically credit within 1–2 months of announcement. Check your local Social Security Bureau for exact timing.

Does "service years" include deemed contribution years?

Yes. Deemed years (工龄) prior to the unified account system (around 1992) are treated equally to actual contribution years for the service-year bonus. Your local Social Security Bureau determines the exact count.

Is the senior bonus added on top of the three-component adjustment?

Yes — the senior bonus is stacked on top of all three components, not a replacement. Retirees aged 65+ receive all four components simultaneously.

Why do provinces have different level-link rates?

Each province sets its own rate based on economic development, pension fund balance, and average pension level. Wealthier provinces (Beijing 1.5%, Shanghai 1.4%) tend to offer higher rates; central and western provinces (Sichuan, Henan 1.0%) are lower. The rates in this tool are references — verify with your provincial authority.

Does this tool upload my data to a server?

No. All inputs (pension amount, service years, age, province) and calculations run entirely in your browser. Nothing is sent to any server. Safe for personal financial planning.

Why might the calculated amount differ from actual payment?

This tool simulates based on publicly available policy references. Actual payments may differ due to ① provincial implementation details, ② deemed-years determination, ③ special occupation or hardship area bonuses not included here, ④ retroactive payment timing. Always confirm with your Social Security Bureau official notice.

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