Personal Pension Calculator
Online personal pension calculator for tax deduction estimation, retirement return projection, and multi-plan comparison to evaluate tax savings and long-term pension accumulation.
Calculation Mode
Policy Highlights
- Annual contribution is capped at CNY 12,000 and can be deducted under current tax rules.
- Investment gains in the account are tax-deferred during accumulation.
- Funds can be withdrawn when statutory eligibility conditions are met.
- Eligible products include savings, wealth products, pension insurance, and mutual funds.
Tax Deduction Inputs
Results
Updated:Annual Tax Savings
CN¥0
Monthly Tax Savings
CN¥0
Savings Ratio
0.0%
Documentation
Purpose
The Personal Pension Calculator helps you estimate annual tax-deduction benefits from contributions, project retirement account growth, and compare multiple contribution strategies so you can balance tax efficiency with long-term compounding goals.
Key Features
- Tax-deduction estimation based on monthly income, social security base, and special deductions.
- Retirement projection using age, contribution, expected return, and contribution growth assumptions.
- Multi-plan comparison to evaluate projected balance, principal, and return composition side by side.
- Local browser persistence for faster repeated scenario analysis.
How To Use
- In Tax Deduction mode, enter income, deduction, and annual contribution values to review tax savings.
- In Retirement Return mode, fill age, current balance, and return assumptions to get retirement projections.
- In Plan Comparison mode, add or edit plans to compare projected retirement outcomes.
- Use the comparison with your risk profile to finalize a practical long-term pension strategy.
Use Cases
- Annual contribution planning for personal pension tax optimization
- Household retirement budgeting and long-term cash-flow preparation
- Strategy comparison across start age and return assumptions
- Coordination with social pension and other personal investment plans
Notes
- Results are model-based estimates and should be used as reference only.
- Tax and withdrawal rules may change; always verify with current regulations.
- Investment returns are uncertain, so revisit assumptions regularly.
Financial Advice
- Use the annual contribution cap first, then review marginal tax impact.
- Submit personal pension deduction details during annual tax settlement.
- Align product allocation with your age and risk tolerance, and stay consistent.
- Coordinate personal pension with social pension, employer pension, and household cash flow.
Frequently Asked Questions
How is personal pension different from basic pension?
Personal pension is a voluntary supplementary account focused on long-term accumulation, while the basic pension is part of social insurance for baseline support.
What is the annual contribution limit?
Under current rules, the annual cap is CNY 12,000. Always check the latest policy updates.
Why is the retirement projection only an estimate?
Projections depend on assumptions such as return rate and contribution growth. Market volatility, fees, and policy changes can affect actual outcomes.
Is it still useful with lower income?
Yes. Even if short-term tax savings are limited, long-term contributions can still accumulate through compounding.
Can account assets be inherited?
In general, account assets can be inherited according to applicable rules and account agreements.