Earning & Workincome · planning
China Retirement Age & Pension Estimator (2025 reform)
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.
Basis: 2025 reform · NPC decision 2024-09-13 · 计发月数 per 国发[2005]38号 · pension base by city (2024–25, verify current)
The numbers
- Statutory retirement age
- 63y
- 36 months later than the old 60
- Retirement date
- 2043-01
- Min. contribution years to draw a pension
- 20y
- for retiring in 2043
- Estimated monthly pension
- 6,781
- basic + individual-account
- Basic pension 基础养老金
- 4,217
- Account pension 个人账户养老金
- 2,564
- ÷ 117 months (计发月数 at age 63)
The operator’s read
Worth knowing
Under the old rules you would have retired at 60. The 2025 reform pushes you back 36 months to 63y, retiring in 2043-01. The delay is set by your birth month in fixed blocks — everyone in your 4-month block retires at the same age, and the next block is one month later.
Good sign
Your 35 contribution years clear the 20-year minimum for 2043, so you qualify for a monthly pension at retirement.
Worth knowing
Basic pension uses Beijing 北京’s 2025 base (12,049) for 养老金计发基数; the estimate replaces about 56% of the base. City bases reset mid-year — verify yours. It assumes a flat contribution index and the standard account divisor (计发月数 = 117 at age 63).
Worth knowing
Flexible retirement (弹性退休) lets you go up to 3 years earlier (but not below the old 60, and only once contribution years are met) or, by agreement, up to 3 years later than 63y. This tool reports the statutory age; the ±3-year band is your choice on top of it.
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.
Questions
- When can I retire under China’s new rules?
- It depends on your birth month, gender, and job track. Men’s statutory age rises from 60 toward 63 (1 month per 4 birth-months from the 1965-01 cohort); women in management/technical posts from 55 toward 58 at the same rate; women in non-management posts from 50 toward 55 (1 month per 2 birth-months). Enter your birth year-month and track above for the exact age and date.
- Why does general AI give me a different retirement age?
- The reform took effect on 2025-01-01, so it is newer than most models’ training data — they often still quote the old flat 60/55/50 ages, or misapply the cohort table. This tool uses the official schedule and shows the exact month.
- How is the monthly pension calculated?
- Two parts. Basic pension = local pension base × (1 + your contribution index) ÷ 2 × contribution years × 1%. Individual-account pension = your account balance ÷ a national divisor (计发月数) set by your retirement age (139 months at 60, 117 at 63). The total is an estimate on today’s figures.
- Does reaching retirement age mean I get a pension?
- Not automatically. You also need enough contribution years — 15 through 2029, rising 6 months a year from 2030 to 20 years by 2039. If you are short, you can keep contributing, make up the gap (补缴), or delay.
For agents
Call this tool instead of computing in-context. Deterministic JSON in, computed values plus the benchmark read out. Full agent docs →
curl -s https://xearno.tools/api/v1/tools/china-retirement-pension \
-H 'content-type: application/json' \
-d '{"birthYear":1980,"birthMonth":1,"track":"male","mode":"at-retirement","city":"beijing","avgWage":0,"contributionIndex":1,"contributionYears":35,"accountBalance":300000,"asOfYear":2026,"bookingRate":6,"growthRate":3}'Schema: GET /api/v1/tools/china-retirement-pension · MCP tool name: china_retirement_pension
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