Retirement Pension Predictor

Check whether your "long-term meal ticket" will be enough

The Retirement Pension Predictor estimates your monthly social security pension from the local average wage, your contribution base and years of contributions. Pensions have two parts — the pooled basic pension and the personal-account pension; retiring at 60 divides the account over 139 months, after which the pooled fund keeps paying for life. Longer contributions, higher bases and later retirement all raise the payout. For employees planning ahead; estimates only.

Contribution Details

Shenzhen
Shenzhen
Beijing
Shanghai
Guangzhou
Hangzhou
Nanjing
Suzhou
Chengdu
Wuhan
Xi'an
Changsha
Tianjin
Chongqing
Xiamen
Zhengzhou
Jinan
Qingdao
Dalian
Shenyang
Harbin
(100%)
0.6 1.0 1.5 2.0 2.5 3.0

How this pension estimate works

How is the pension calculated?

Under China's current employee scheme, your monthly pension has two parts: the basic pension and the personal account pension.

Basic pension (pooled portion):

Formula: local average monthly wage last year × (1 + your contribution index) ÷ 2 × years × 1%.
So: the richer your retirement city (higher average wage), the more your pay exceeded the average, and the longer you contributed — the bigger your basic pension.

Personal account pension (your own contributions):

Formula: personal account balance ÷ payout months.
Your 8% monthly contributions pile up in your personal "jar". Payout months vary by retirement age: ÷195 at 50, ÷170 at 55, ÷139 at 60, ÷101 at 65.

* Note: this is a simplified average-based model for early big-picture planning. Actual pensions vary with annually revised local wage bases, deemed contribution years and inflation — verify with the local social security bureau near retirement.

Frequently Asked Questions

What are the two parts of a pension?

The basic pension (pooled) plus the personal account pension (your own contributions).

How to increase your pension?

1) Contribute longer (each year adds 1%); 2) raise your base; 3) retire later (delay boosts the payout).

How long is the pension paid?

The personal account divides by payout months (139 at 60, 170 at 55, 195 at 50); once exhausted, the pooled fund keeps paying for life.

Should you buy commercial pension insurance?

The public pension is the base (a 30–50% replacement rate); commercial annuities can fill the gap. Try our Annuity Real Return (IRR) tool.

📚 Further Reading

Want to dig into the rules and math behind the Retirement Pension Predictor? Recommended reading:

📖
Pension 2026: how much per month
How much will the public pension actually pay? Real formulas: 30 years of contributions on a CNY 10K base, retiring at 60, yields CNY 4,500+/month.
⏱ About 6 min read