Three Pension Plans Side by Side
Put different future contribution amounts and durations side by side to understand their costs, accounts and monthly income scenarios.
This is not an authenticated pension-account or policy query. Enter verified local parameters and approved amounts yourself. Changing language does not change the Chinese system. Estimates do not replace official determinations or claim decisions.
Rules verified on:2026-10-13Verify first: official inquiry and rules description
- For basic pension accounts, payment records and calculation and distribution parameters, please verify the national social insurance public service platform or the local agency, and do not fill in the password or certificate into this site.
- The personal pension tax can be checked by the tax department; please check the official reply of the contract or the insurance company for the official reply of the contract for the commercial insurance, the deductible amount, the remaining limit and the cash value.
- The following buttons only open the corresponding official website when they actively click, and will not automatically jump, and will not carry the input parameters on this page. This site does not collect real accounts or insurance policy information.
The main rules are based on: progressive delay in the decision of statutory retirement age, the implementation of the interim measures for the flexible retirement system, the basic pension calculation and issuance method, the personal pension tax policy and the insurance consumer risk warning. Future changes are subject to the latest regulations of the release department.
The number of months of personal account counting and issuance: the reference table and restrictions for the whole year
The following table only lists the existing reference values of 50 to 70 years old, and cannot be interpolated according to the decimal months of the retirement age. Please fill in the actual number of counted and issued months in the local area into the form; the number of months in counting and delivery is not equal to the period of pension collection.
| Reference age for the whole year | Refer to the number of months |
|---|---|
| 50 | 195 |
| 51 | 190 |
| 52 | 185 |
| 53 | 180 |
| 54 | 175 |
| 55 | 170 |
| 56 | 164 |
| 57 | 158 |
| 58 | 152 |
| 59 | 145 |
| 60 | 139 |
| 61 | 132 |
| 62 | 125 |
| 63 | 117 |
| 64 | 109 |
| 65 | 101 |
| 66 | 93 |
| 67 | 84 |
| 68 | 75 |
| 69 | 65 |
| 70 | 56 |
Do not enter names, ID numbers, medical records, policy numbers or passwords. Calculations run in the browser and are cleared on leaving this group, reloading or closing. Only your copy or download action exports results to you.
This tool is calculated according to Chinese rules and RMB; the switching language will not change the tax system, interest rate, unit or applicable area.
Three Pension Plans Side by Side User manual
- Fill in the parameters or select the file according to the form, and check the unit and format first.
- Enter shorter plan A and longer plan B, compare their future costs, then check the credited months using a common pension base.
- Click the processing button to view the results, you can copy or download and save.
Calculation method and processing rules
Start each scenario from the same existing record, add its own future months and credits, and independently verify the average index used for its pension calculation.
scope of use
This is a comparison of at most three scenarios, not a recommended optimum tier. Complex eligibility, additional local benefits, medical coverage and investment returns are excluded.
Will the input content be saved on the server?
This tool handles input in the browser, and does not upload files or form content. Typing practice scores are only saved in the native browser.
Why may the result be different from other tools?
This is a comparison of at most three scenarios, not a recommended optimum tier. Complex eligibility, additional local benefits, medical coverage and investment returns are excluded. Please compare the input unit, rounding method, applicable rules and data version first.