Retirement Age Calculator

Overview

This calculator applies the progressive delay schedule in force from 2025-01-01: male workers and female cadres gain one month of retirement age for every four months of later birth, capped at thirty-six months, while female workers gain one month for every two months of later birth, capped at sixty. Given a birth year and month plus a category, it returns the delay in months, the new statutory age, the expected retirement month, days remaining, a flexible window, and a reverse lookup from a target month. The schedule is deliberately gradual rather than a single jump, which is why a month of birth matters: someone born in January 1970 and someone born in December 1970 can land in different brackets and retire several months apart. The reverse lookup exists for planning rather than for individuals, letting a team map a target retirement cohort back to the birth months that reach it, and it walks the range month by month instead of inverting a formula, so gaps where no birth month maps to a given retirement month are visible rather than hidden. Teams use the reverse lookup to plan handovers, since a target cohort implies a range of birth months rather than a single date.

Features

• Three categories tracked separately: male workers, female cadres and female workers
• Stepwise increase with a cap: thirty-six months for men and cadres, sixty for female workers
• Outputs delay months, new statutory age, expected retirement month and time remaining
• Flexible window: up to three years earlier but not below the original age, and three years later
• Side-by-side comparison of all three categories for the same birth month
• Reverse lookup of birth ranges, batch calculation and ICS calendar export

How to use

1. Fill in the birth year and month, then choose the category
2. Read the statutory retirement month along with delay months and the new age
3. Check the flexible window for the earliest and latest possible months
4. Use the comparison table to see how the three categories diverge for one birth month
5. For reverse lookup enter a target month, or paste lines such as "1990-05,male" into the batch box

Notes

• The schedule adopted in September 2024 and effective 2025-01-01 adds one month per four months of later birth for men and cadres, capped at thirty-six, and one per two months for female workers, capped at sixty; the output is for reference and the insurance office decides.
• Delay is counted by month of birth, so people born in different months of one year can land in different brackets and a year-only estimate misses that by several months.
• The flexible window allows up to three years earlier but never below the original age of 60, 55 or 50, and up to three years later; late retirement needs employer agreement and this tool shows the window only.
• Reverse lookup matches a target month and category against birth months and reports when nothing matches; hazardous-work early retirement, ill-health retirement and contribution crediting are out of scope.
• A batch line reads birth,category such as 1990-05,f55 and a missing category is treated as male; ICS export holds the first day of the retirement month only.
• Reverse lookup maps a target month and category back to a birth range, and reports when no month in 1950-2010 matches