{"slug":"china-retirement-pension","name":"China Retirement Age & Pension Estimator (2025 reform)","category":"earn","tags":["income","planning"],"tagline":"Your exact retirement date under China’s 2025 delayed-retirement reform, plus an estimated monthly pension.","endpoint":"https://xearno.tools/api/v1/tools/china-retirement-pension","page":"https://xearno.tools/t/china-retirement-pension","description":"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.","inputSchema":{"type":"object","properties":{"birthYear":{"description":"Birth year Gregorian year, e.g. 1980.","type":"number","minimum":1940,"maximum":2010,"default":1980},"birthMonth":{"description":"Birth month The reform buckets by birth month, so this changes the answer.","type":"number","minimum":1,"maximum":12,"default":1},"track":{"description":"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.","type":"string","enum":["male","female-cadre","female-worker"],"default":"male"},"mode":{"description":"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.","type":"string","enum":["at-retirement","project"],"default":"at-retirement"},"city":{"description":"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.","type":"string","enum":["beijing","shanghai","tianjin","guangzhou","shenzhen","dongguan","foshan","zhuhai","nanjing","suzhou","wuxi","changzhou","nantong","hangzhou","ningbo","wenzhou","fuzhou","xiamen","jinan","qingdao","chengdu","chongqing","wuhan","changsha","zhengzhou","nanchang","xian","hefei","kunming","guiyang","nanning","taiyuan","shijiazhuang","shenyang","dalian","harbin","other"],"default":"beijing"},"avgWage":{"description":"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.","type":"number","minimum":0,"default":0},"contributionIndex":{"description":"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.","type":"number","minimum":0.6,"maximum":3,"default":1},"contributionYears":{"description":"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.","type":"number","minimum":0,"maximum":50,"default":35},"accountBalance":{"description":"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.","type":"number","minimum":0,"default":300000},"asOfYear":{"description":"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.","type":"number","minimum":2025,"maximum":2060,"default":2026},"bookingRate":{"description":"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.","type":"number","minimum":0,"maximum":12,"default":6},"growthRate":{"description":"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.","type":"number","minimum":0,"maximum":15,"default":3}},"required":[],"additionalProperties":false},"methodology":["Retirement age: the 2025 reform (NPC decision, 2024-09-13) raises the statutory age in whole-month steps by birth cohort. Men 60→63 and women in management/technical posts 55→58 rise 1 month per 4 birth-months; women in non-management posts 50→55 rise 1 month per 2 birth-months. Formula: delay = min(cap, floor(k / blockWidth) + 1) months, where k is birth-months after the first affected cohort (men 1965-01, women-cadre 1970-01, women-worker 1975-01); capped at the ceiling (63/58/55). Anyone reaching the original age before 2025-01 is unaffected.","Retirement date = birth year-month + the new age in months. Age is a whole number of months; there is no interpolation within a birth block.","Minimum contribution years to draw a pension is a separate gate keyed to the retirement year: 15 years through 2029, then +6 months each year from 2030, reaching 20 years in 2039.","Pension estimate: 基础养老金 = pension base × (1 + contribution index) ÷ 2 × contribution years × 1%. 个人账户养老金 = account balance ÷ 计发月数, where 计发月数 is the national divisor for your completed retirement age (国发[2005]38号 table; e.g. 139 at 60, 117 at 63). This is an estimate on today’s base — the real basic pension grows with future local-average-wage indexing, and authorities may refine the divisor for the new ages.","The track (management/technical vs non-management, for women) selects the whole schedule and is the most-disputed real-world input; it depends on file classification 档案, not job title. Choose it explicitly.","Project mode rolls today’s figures to retirement (N years): the individual account grows as balance × (1 + 记账利率)^N plus future annual deposits of 8% of the contribution base, each compounded at the crediting rate — a growing-annuity future value; contribution years and the wage base grow too (the base at the assumed salary-growth rate). It compounds assumptions and is a projection, not a promise — the crediting rate is the government 记账利率 (recent years ~6%), not a market return."],"usage":"POST https://xearno.tools/api/v1/tools/china-retirement-pension with a JSON body matching inputSchema."}