Pension Calculator
๐ค Basic Information
Male 60 / Female cadre 55 / Female worker 50
๐ฐ Salary & Contribution
Usually your monthly salary, capped at 60%-300% of local avg
Check local statistics bureau, ~ยฅ10,000 nationally in 2024
Pre-1997 continuous service years
Check via social security app or local bureau
๐ Growth Prediction
โ This tool is for reference only. Actual pension is determined by local social security bureau. Calculation is based on current policies.
What are the components of Chinese pension?
Chinese urban employee pension consists of: โ Basic pension, โก Personal account pension, and โข Transitional pension (for pre-1997 service years).
What is the "payment months" factor?
Payment months is determined by retirement age. Later retirement means fewer months, higher monthly payment. Common values: age 50=195, 55=170, 60=139, 65=101 months.
How is the contribution base determined?
Contribution base is usually last year's average monthly salary, capped at 60%-300% of local average. Individual rate: 8% (into personal account), employer rate: 16% (into pooled fund).
Is 15 years of contribution enough?
15 years is the minimum. But longer contribution periods and higher bases result in higher pensions. Each additional year adds ~1% to the basic pension. It's recommended to contribute as long as possible.
Impact of delayed retirement policy (2025)?
Starting 2025, China implements gradual delayed retirement: male from 60 to 63, female from 50/55 to 55/58, over 15 years. This means longer contribution, more savings, and higher monthly pension.
Estimated Monthly Pension
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Pension Breakdown
Basic Pension
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Personal Account
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Key Parameters
Total Contribution Years0
Payment Months0
Est. Avg Salary at Retirementยฅ0
Account at Retirementยฅ0
Salary Index0
Formula