Pension calculator (how much you get per month after retiring)
Contribution years, average index, average social wage and personal-account balance → an estimate of the monthly pension (basic plus account), with the index × years table and the 2025 schedule.
Input
含视同缴费年限，15 年起步
各城市每年不同，查当地统计局 / 社保局最新公布值填入
社保 APP 可查（缴费记录里的个人账户储存额）
2025 延迟退休查询
自 2025-01-01 起法定退休年龄渐进式延迟（国发〔2024〕10 号）：男 60 → 63、女干部 55 → 58、女工人 50 → 55。上方主估算区计发月数仍按整档 60/55/50 口径，非整档年龄以当地社保经办机构核定为准。
养老金怎么算：基础养老金 + 个人账户养老金
月养老金 = 基础养老金 + 个人账户养老金。基础养老金 = 退休地社平工资 ×（1 + 平均缴费指数）÷ 2 × 缴费年限 × 1%，直观理解就是「指数越高、年限越长，领得越多」；个人账户养老金 = 个人账户储存额 ÷ 计发月数，计发月数由退休年龄决定：60 岁 139 个月、55 岁 170 个月、50 岁 195 个月——同样的储存额，退休年龄越大、除的月数越少，每月领得越多。
平均缴费指数决定的是「按什么档次缴」。它是历年（个人缴费基数 ÷ 当年当地社平工资）的平均值，常见区间 0.6~3.0：一直按最低档 60% 缴的约 0.6，按社平工资缴的 1.0，按最高档 300% 缴的 3.0。页面对照表就是 7 档指数 × 6 档年限的矩阵，指数从 0.6 提到 3.0、年限从 15 年加到 40 年，月养老金合计怎么变，一眼就能看明白。
社平工资是「数字准不准」的关键，各城市每年不同。公式里用的是退休地上年度公布的全口径社平工资，各地每年公布一次——直辖市与县城能差出数倍，不能拿一个数套所有地方。本页不预设任何城市值：去退休地统计局或社保局查最新公布数填进来，否则结果会正好差掉这个差值。
1996/97 年前已有工龄的人，可能还多一段「过渡性养老金」。各地公式与计发基数不同（多为固定额 + 按个人缴费计算的组合），本页未计入，所以「中人」的合计会比实际略低；纯「新人」缴费史（个人账户制度建立后才开始缴费）基本就按本页两部分算。最终实际养老金，以社保经办机构核定为准。
关于本页的数据。缴费年限、缴费指数、社平工资与个人账户储存额，全部只在你浏览器里做算术，页面不发起任何网络请求，不写 localStorage、cookie 或网址参数，刷新即清空。社保数据属于敏感个人信息，这也是本页不做「云端计算」的原因；所有结果仅供参考，实际金额以社保经办机构核定为准。
FAQ
Two parts: basic pension = the local average social wage at retirement × (1 + average contribution index) ÷ 2 × years of contributions × 1%; personal-account pension = the personal account balance ÷ the payout months (139 at age 60, 170 at 55, 195 at 50). A transitional pension applies only to people with service predating their locality's personal-account system (set up around 1996/97), and formulas differ by locality, so this page does not include it - the total shown here is the sum of the two parts above.
It is the average, over your years of contributions, of (your contribution base ÷ that year's local average social wage): a common range is 0.6~3.0 - paying at the lowest 60% tier throughout gives about 0.6, paying at the average wage gives 1.0, and paying at 300% gives 3.0. You can check your contribution records in the social security app or ask your local social security office.
No, it is an estimate. The average social wage in the formula differs by city and year (this page deliberately presets no city value - fill in the latest figure published by your local statistics / social security bureau), the personal account balance should follow the number in the social security app, and the actual pension is subject to the assessment of your local social security office.
Since 2025-01-01 the statutory retirement age has been being raised gradually (men 60 → 63, female cadres 55 → 58, female workers 50 → 55; State Council document Guofa [2024] No. 10). The page looks up your statutory retirement age from your birth year and month; the main estimate still uses the payout months of the whole tiers 60/55/50, and for ages in between the local social security office's assessment prevails.
No. Years of contributions, the index, the average social wage and the personal account balance are all used only in your browser's calculation; the page makes no network requests, writes nothing to localStorage, cookies or URL parameters, and refreshing clears everything.