China · CNY · Pension guide
Bring together your basic pension, any enterprise or occupational annuity, and savings in yuan. Start with the amounts and access dates confirmed for your own employment history.
Open the calculatorIt compares spending, manually entered pensions and accessible savings in CNY, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
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China's retirement provision includes basic pension insurance, enterprise or occupational annuities, and personal provision. A general description of these pillars cannot establish your benefit. Ask the relevant social insurance service or provider for the scheme, amount and payment date applying to you.
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An annuity account balance and the monthly pension purchased with it describe the same resource. Choose the payment route or the accessible-capital route in the plan. Do not assume a restricted personal pension account can fund living costs before its permitted withdrawal date.
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Convert all inputs to after-tax monthly amounts in today's yuan. Keep housing, family support and medical expenses in the spending budget. The model does not determine retirement age, contribution history, local benefit formulas, tax relief or future policy changes.
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.