Pension Estimator

📖 About this tool

How much will arrive each month after retirement is a question most people cannot answer with any confidence. The figure is not invented: it comes from contribution years, the contribution base, the local average wage and the balance in the personal account. Enter those and the tool applies the current benefit formula to estimate the basic pension, the personal account pension and any transitional pension, then adds them into a monthly figure.

Three schemes are handled separately: employees, self-employed contributors, and the rural and non-working resident scheme. Employees follow a basic plus personal account structure, with a transitional component added when years are deemed rather than actually contributed. The resident scheme uses a different basic plus account approach. The divisor months follow automatically from the retirement age, and if the account balance is unknown it can be back-calculated from the contribution base and the crediting rate.

A monthly figure alone does not tell you whether the arrangement is worth it. The result also shows the replacement rate, the total contributed, how many years of payments it takes to recover those contributions, and the cumulative total by the age you expect to reach. Read together, these numbers are what let you decide which contribution tier to choose.

Everything is calculated in the browser with no network use and no upload, so the wages and balances you enter are not recorded anywhere. The breakdown can be exported as CSV for your records, or downloaded as a PNG to place alongside a household financial plan.

✨ Features

• Three schemes: employee, self-employed and resident schemes calculated separately.
• Component breakdown: basic, personal account and transitional pension listed with their formulas.
• Divisor months handled for you: they follow the retirement age, so no table to remember.
• Balance can be derived: estimate the account from the contribution base and crediting rate.
• Later retirement compared: see what retiring a few years later adds each month.
• Break-even and replacement rate: contributions, payback years and replacement rate together.
• Two exports: CSV for the numbers, PNG for a planning sheet.

🚀 How to use

1. Choose the scheme, enter sex and year of birth; the retirement age can be derived or typed.
2. Enter the years actually contributed, the years deemed contributed and the average index.
3. Enter the contribution base and the local average wage, or accept the default for the region.
4. Enter the account balance, or tick the estimate box and give the crediting rate.
5. If you have deemed years, tick the transitional pension and enter the coefficient.
6. Click Estimate for the components, monthly total and replacement rate, then export or download.

⚠️ Notes

• An estimate, not an awardThe social security office decides the real figure; this tool does not guarantee accuracy.
• Policy movesFormula, average wage and crediting rate all change by year; past parameters do not predict the future.
• Regions differAverage wages and transitional coefficients vary by province, so use your own contribution region.
• Keep the index plausibleIt normally sits between 0.6 and 3; values outside that distort the result.
• Local onlyEntries never reach a server and the page does not retain them after a refresh.

Pension rules are unusually opaque for something that shapes several decades of income, which is why a rough number arrived at from your own contributions is still worth having. It turns an abstract promise into a monthly figure you can compare against current spending, and it makes the trade-off between contributing more now and retiring later visible rather than theoretical. Because the whole calculation stays in the browser, entering real wages and balances costs nothing in privacy.