Pension Estimator

Basic + personal account, replacement rate

Quick Answer

Pension Estimator: Basic + personal account, replacement rate. Pension Estimator uses standard finance formulas to compute accurate results instantly.

City (social avg. wage)

Monthly salary (¥)

Years contributed

Retire age

Personal acct balance (¥, opt)

Estimated monthly pension

¥8,472

Replacement rate 56.5%

Basic pension¥4,195

Personal account¥4,277

Acct balance¥43.0万*

Payout months101

Pension composition

Basic (pool)4,195CNY (49.5%)Personal acct4,277CNY (50.5%)

Steps

1Contribution index = 15000 ÷ 12964 = 1.16 (capped 0.6-3)
2Basic = 12964 × (1+1.16)÷2 × 30 × 1% = ¥4195
3Balance est. = 15000×8%×12×30 = ¥432,000 (no interest)
4Personal = balance ÷ 101 months = ¥4277
5Total = ¥4195 + ¥4277 = ¥8472

Payout months by retire age

50 yrs

195 mo

55 yrs

170 mo

60 yrs

139 mo

63 yrs

117 mo

65 yrs

101 mo

💡 The 3 pillars: social pension (this calc) + employer annuity + personal pension (个人养老金, ¥12k/yr tax-deferred). Replacement rate of 45% is the international warning line, 70% is comfortable — social pension alone in China typically delivers 40-50%, so the gap must come from pillars 2&3. Longer contribution years beat higher base: the formula rewards years directly.

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How to Use

Enter amounts and terms: fill principal, rate and period in the Pension Estimator (defaults work for a quick try).
Instant results: key figures and cost breakdown update live as you type.
Compare scenarios: tweak any parameter to compare costs and returns across plans.
Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

Pension Estimator is a free online finance tool — open and use, no sign-up.
All calculations run locally in your browser; your data never leaves the device.
Key capability: Basic + personal account, replacement rate.
Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Pension Estimator formula

Pension Estimator uses standard finance formulas to compute accurate results instantly.

FAQ

How do I use the Pension Estimator?

Open the page and fill in the input fields — results update automatically. Basic + personal account, replacement rate.

Are the results accurate?

Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.

Is it free? Do I need to sign up?

Completely free. No registration, login or download required.

Can I use the results for financial decisions?

Results are for reference. Consult a licensed financial advisor before major decisions.

Does it work on mobile?

Yes. Fully responsive on phones, tablets and desktops.

Related Guides

Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated: 2026-08-07

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Cite this page: YiJianSuan. Pension Estimator[EB/OL]. https://www.yijiansuan.com/en/c/finance/retirement-income

Results provided by this tool are for reference only and do not constitute professional advice.