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Pension Forecast Calculator · How Much Will You Get at Retirement

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Enter your age, salary, contribution years, and city to forecast your monthly pension at retirement. Includes 2025 gradual retirement delay reform, basic vs personal account pension breakdown, and comparison across contribution tiers. Fully browser-local.

Overview

China's enterprise employee basic pension system uses a 'social pooling + personal account' model. Monthly pension at retirement consists of a basic pension and a personal account pension. The amount depends on local social average salary, contribution base, total contribution years, and retirement age. The 2025 gradual retirement delay reform (male 60→63, female 55→58) also affects your retirement timing and payout months. This tool forecasts your expected monthly pension based on current formulas and city-level average salary data.

How to use

  1. Enter your current age (18-65).
  2. Select gender (affects statutory retirement age).
  3. Enter current monthly salary (used for replacement rate).
  4. Enter years already contributed.
  5. Enter expected future contribution years.
  6. Select city (affects social average salary).
  7. Select contribution base tier (60% / 100% / 300%).
  8. Results instantly show predicted retirement age, monthly pension, replacement rate, and tier comparison.

Formula

Enterprise Employee Basic Pension Formula:

1. Basic Pension = Local Avg Salary × (1 + Payment Index) / 2 × Total Years × 1%
2. Personal Account Pension = Account Balance / Months Divisor
   - Account Balance = Payment Base × 8% × 12 × Total Years
   - Months Divisor: age 60 → 139, age 55 → 170, age 65 → 101
3. Replacement Rate = Monthly Pension / Pre-retirement Salary × 100%
4. 2025 Gradual Retirement Delay: Male 60→63, Female 55→58 (2025-2040)

Common scenarios

Scenario 1: 30M, ¥10k salary, 5+25 years, General city, 100% tier

Retirement ~61.6, 30 years total. Basic ¥3,000 + Personal ¥1,727 = ¥4,727/mo. Replacement rate 47.3%.

Scenario 2: 35F, ¥8k salary, 10+15 years, Beijing, 100% tier

Retirement ~56.3, 25 years total. Basic ¥3,375 + Personal ¥1,976 = ¥5,351/mo. Replacement rate 66.9%.

Scenario 3: 25M, ¥15k salary, 2+33 years, Shenzhen, 300% tier

Retirement ~62.3, 35 years total. Basic ¥8,750 + Personal ¥8,633 = ¥17,383/mo. High contribution base significantly boosts pension.

FAQ

Will the predicted pension differ from actual payments?

Yes. This tool uses current policy and salary data for static projection. Actual pensions are affected by future salary growth, policy changes, and personal income changes. Typically actual amounts exceed current projections due to annual salary growth, but final amounts are determined by the Social Security Bureau at retirement.

How much difference does the 60% vs 300% contribution base make?

The difference is significant. For 30 years of contribution in a general city, 60% tier yields ~¥2,836/month, 100% tier ~¥4,727/month, and 300% tier ~¥14,181/month. The 300% tier is about 5x the 60% tier, but requires much higher monthly contributions.

How does delayed retirement affect pension?

Delayed retirement has dual effects - more contribution years and a smaller months divisor both increase monthly pension. However, total receiving years decrease. Generally, delayed retirement increases monthly pension amount but reduces total receiving period.

What is the months divisor (计发月数)?

The months divisor is used to calculate personal account pension - it's the denominator. It's set by the state based on retirement age and life expectancy statistics. Age 60 = 139 months, age 55 = 170 months, age 65 = 101 months. A smaller divisor means higher monthly payout. Note - pension continues even after the divisor months are exhausted, funded by the pooling system.

What happens when the personal account balance runs out?

No need to worry. Per the Social Insurance Law, after the personal account balance is exhausted, pension payments continue at the same amount, funded by the social pooling system. As long as you're alive, you'll continue receiving your pension - it won't stop when the account runs out.

Is the social average salary data accurate?

This tool uses approximate 2025 social average salary data for major cities. Actual figures are published annually by local statistics bureaus and may differ slightly. Use local official data for precise calculations - this tool is for reference only.

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