养老金情景测算
按用户提供的计发基数、缴费指数、年限及个人账户余额计算养老金组成情景值。
预填内容仅为演示参数，不是您的实际资料或当前地区费率；计算前请替换。
计算方法与来源
基础部分 = 基数 × (1 + 平均指数) ÷ 2 × 年限系数；个人账户部分 = 余额 ÷ 计发月数；再加用户核定的过渡金额。
方法核对日期：2026-09-08
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{"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."]}