Util Monster
Free
Estimate two employee-pension components from values you have confirmed with the relevant social-security authority. This calculator does not decide your retirement age or eligibility.
Personal-account component = entered personal-account balance ÷ entered payout-month divisor. Basic component = (entered local average wage + entered indexed monthly wage) ÷ 2 × recognised contribution years × 1%. Some people may also have a transitional component or other adjustments; this tool does not calculate them. From 2025, statutory retirement ages change gradually by birth month and worker category. From 2030, the minimum contribution period for a monthly basic pension rises gradually from 15 to 20 years. Confirm your cohort, category, retirement date, recognised contribution record and local inputs with the official service before relying on this estimate.
Primary context: State Council gradual-retirement decision and schedules and the Shanghai employee-pension formula and payout-month table. The formula inputs and any additional component depend on the administering locality and your record.
China began a gradual statutory-retirement-age change on 1 January 2025. The schedule differs by birth month and by the worker category whose former statutory age was 60, 55 or 50. This calculator therefore does not infer a statutory retirement date from a single age selection.
The nationwide decision keeps the minimum contribution period at 15 years through 2029 and raises it by six months a year from 2030 until it reaches 20 years in 2039. Other conditions and local administration still matter. A numerical result is not an eligibility decision.
The personal-account balance includes credited amounts and returns recorded by the authority; it is not reconstructed here from a current salary. The indexed wage and applicable local average wage also come from the administering rules and contribution history. Enter those confirmed values rather than a guessed current salary.