Pension Scenario Calculator
Model pension components using entered salary basis, contribution index, service and account balance.
Pre-filled values are examples, not personal facts or current local rates. Replace them before calculating.
Calculation method and references
Basic component = base × (1 + index) / 2 × service factor; personal component = balance / divisor; add verified transitional amount.
Shanghai employee pension components
Personal pension payout divisor
Method reviewed: 2026-09-08
Your entries remain in this browser. No account, upload, tracking of form values or persistent saving. Export only when you choose.
{"fields":[{"key":"variant","label":["剩余月份计算口径","Residual-month convention"],"type":"select","options":[["general",["一般情景：每月 1% ÷ 12","General: 1% / 12 per month"]],["shanghai",["上海所引规则：每剩余月 0.083%","Cited Shanghai rule: 0.083% per month"]]],"value":"general"},{"key":"base","label":["申领时适用的月计发基数","Applicable monthly pension calculation base"],"type":"number","value":10000,"min":0,"max":1000000000,"step":"any"},{"key":"index","label":["已核实的本人平均缴费指数","Verified average contribution index"],"type":"number","value":1,"min":0,"max":10,"step":"any"},{"key":"years","label":["已核定完整缴费年数","Verified whole contribution years"],"type":"number","value":30,"min":0,"max":80,"step":1},{"key":"months","label":["剩余缴费月数","Residual months"],"type":"number","value":0,"min":0,"max":11,"step":1},{"key":"balance","label":["预计申领时个人账户余额","Personal account at claim date"],"type":"number","value":139000,"min":0,"max":1000000000,"step":"any"},{"key":"divisor","label":["已核实的个人账户计发月数","Verified payout divisor"],"type":"number","value":139,"min":1,"max":1000,"step":"any"},{"key":"transition","label":["已核定过渡性等月金额（没有填 0）","Verified transition/other monthly amount"],"type":"number","value":0,"min":0,"max":1000000000,"step":"any"}],"title":["养老金情景测算","Pension Scenario Calculator"],"engine":"pension","scope":["仅企业职工养老金公式情景，不是城乡居民养老计算器。未计算未来政策、领取资格或退休日期。139 只是 60 周岁常见示例，不自动适配延迟退休年龄。","Employee pension scenario, not the resident pension scheme. No eligibility or future policy prediction. 139 is an example for age 60, not an automatic delayed-retirement divisor."]}