China Retirement Age & Pension Estimator (2025 reform)
china_retirement_pensionRead-only
Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension. Computes your statutory retirement age and date under China’s 2025 progressive delayed-retirement reform (渐进式延迟法定退休年龄) — which staggers the age by birth month, gender, and job track — then estimates your monthly pension (基础养老金 + 个人账户养老金). The reform is under two years old, so general AI still quotes the old 60/55/50 ages; this uses the official cohort tables.
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
| city | No | City / province Sets your province’s pension calculation base (养老金计发基数) — the number you would otherwise have to look up. Pick “Other” to enter your own below. | beijing |
| mode | No | Pension figures are… Choose “project” if you are still years from retiring: the account keeps growing at the 记账利率 and contributions keep landing, so today’s balance is not the retirement balance. | at-retirement |
| track | No | Which track are you on? The decisive input. For women it hinges on your file classification (管理/技术岗 vs 工人岗), not job title — and it is the single most disputed point, so choose carefully. | male |
| avgWage | No | Pension base override 社平工资 (optional) Leave 0 to use your city’s published base above. Enter a number only to override it (or for a city not listed). In “project” mode this is today’s base; it is grown to retirement. | |
| asOfYear | No | Today’s figures are from (year) Only used in “project” mode — the year your current balance/base are from. Years-to-retirement is counted from here. | |
| birthYear | No | Birth year Gregorian year, e.g. 1980. | |
| birthMonth | No | Birth month The reform buckets by birth month, so this changes the answer. | |
| growthRate | No | Annual salary / base growth (%) Project mode only. Assumed yearly growth of your salary and the local wage base — both future contributions and the indexed basic pension rise with it. | |
| bookingRate | No | Account crediting rate 记账利率 (%) Project mode only. The government-published annual rate credited to your individual account (记账利率) — recent years ~6%. This is not a market investment return. | |
| accountBalance | No | Individual account balance 个人账户储存额 The accumulated balance in your personal pension account. In “project” mode this is today’s balance; it is grown to retirement. | |
| contributionIndex | No | Average contribution index 平均缴费指数 Your contribution base ÷ local average wage, averaged over your career. Capped 0.6–3.0. 1.0 = you always paid on exactly the average wage. | |
| contributionYears | No | Contribution years 缴费年限 Total years contributed, including deemed years 视同缴费年限. In “project” mode this is years so far; the years until retirement are added. |