Pension Estimator

01Enter values
02Calculate
03Compare results

Estimate the basic pension for urban enterprise employees in mainland China. All inputs and calculations stay in your browser.

Includes the gradual statutory retirement-age policy effective from 2025

Estimate with known social-security parameters

Use this when you already have the relevant figures from your local authority or social-security account.

Inputs

Pension calculation base

CNY/month

Use the applicable figure for the benefit location and yearAverage contribution indexUsually available from contribution records or an official estimateTotal contribution years

years

Individual account balance

CNY

Payout divisor in months

months

Age 60 uses 139 and age 55 uses 170; use the officially determined figure when availableTransitional pension (optional)

CNY/month

Regional and historical rules vary, so this estimator does not derive it automatically

Results

Estimated monthly pension

3,400.00 CNY/month

Basic pension: 2,400.00
Individual-account pension: 1,000.00
Transitional pension: 0.00

Formula substitution

Basic pension

Calculation base × (1 + average index) ÷ 2 × contribution years × 1%

Individual-account pension

Individual account balance ÷ payout months

Policy basis and limitations

The core formula follows State Council Document No. 38 (2005). Retirement ages and minimum contribution years follow the 2024 NPC Standing Committee decision.

Decision on gradually raising statutory retirement ages Basic-pension training material from the human-resources system

Results explain formulas and compare scenarios only. They are not an official benefit determination. Actual benefits depend on policy at retirement, verified contribution records, and the local social-security authority.

Capabilities, limits, and privacyexpand_more

Input

insurance parameters, retirement details, and growth assumptions

Output

pension scenario estimates and comparisons

Processing

Processed locally in the browser. Account, quota, file-size, and processing-time requirements follow the current page.

Important limit：It does not cover every regional or special-retirement rule and cannot replace an official determination.

Privacy：Core input and output are processed in the current browser. Avoid leaving sensitive content on shared devices; clear the page and close the tab when finished.

Frequently asked questions

Answers reflect the current capability and limits of this WorkTool page.

What input does Pension Estimator accept?

Pension Estimator accepts insurance parameters, retirement details, and growth assumptions.

What does Pension Estimator produce?

It produces pension scenario estimates and comparisons. It does not cover every regional or special-retirement rule and cannot replace an official determination.

Where is data processed by Pension Estimator?

Processed locally in the browser. Core input and output are processed in the current browser. Avoid leaving sensitive content on shared devices; clear the page and close the tab when finished.