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Delayed Retirement Age Calculator
The gradual delayed retirement policy will be implemented starting from January 1, 2025.
- In accordance with the provisions of the State Council Measures on Gradually Delaying the Statutory Retirement Age, starting from January 1, 2025: For male employees and female employees with an original statutory retirement age of 55, the statutory retirement age will be delayed by one month every four months, gradually rising to 63 and 58 years old respectively; For female employees with an original statutory retirement age of 50, the statutory retirement age will be delayed by one month every two months, gradually rising to 55 years old.
- Starting from January 1, 2030, the minimum contribution period required for employees to receive a monthly basic pension will be gradually raised from 15 years to 20 years, with an increase of six months each year. Where an employee reaches the statutory retirement age but has not completed the minimum contribution period, they may meet the requirement by extending their contribution period or making a lump-sum payment in accordance with relevant regulations, so as to claim the monthly basic pension.
- Employees who have completed the minimum pension contribution period may voluntarily opt for flexible early retirement. The maximum early retirement period shall not exceed three years, and the retirement age shall not be lower than the original statutory retirement ages of 50 and 55 for female employees, and 60 for male employees. When an employee has reached the statutory retirement age, flexible delayed retirement is allowed upon mutual agreement between the employer and the employee, with the maximum delay period capped at three years. Where otherwise stipulated by national regulations, such provisions shall prevail. In the implementation process, employees’ willingness must be fully respected. It is prohibited to illegally force or implicitly compel employees to choose their retirement age against their will.
- The original unified retirement age for male employees is 60 years old, which will be adjusted uniformly to 63 years old after the implementation of delayed retirement.
- Female employees originally retiring at the age of 50 will have their retirement age uniformly adjusted to 55 following the delayed retirement policy. Female employees originally retiring at the age of 55 will have their retirement age uniformly adjusted to 58 following the delayed retirement policy.
- The retirement age for female employees may vary depending on job nature, participating region and year of enrollment in social insurance. For specific circumstances, it is recommended to consult the local social security authority. Generally speaking, female front-line workers and those in operational positions originally retire at the age of 50, while female staff in management and technical positions as well as female cadres originally retire at 55.
- For participants in the urban and rural residents' social pension insurance, the unified retirement age for both men and women is 60 years old. The minimum contribution period for urban and rural residents' pension insurance is 15 years.
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Minimum Contribution Period Table for Monthly Basic Pension Entitlement
Year Minimum Annual Contribution Period 2025 Year 15 Year 2026 Year 15 Year 2027 Year 15 Year 2028 Year 15 Year 2029 Year 15 Year 2030 Year 15 Year+ 6 Month 2031 Year 16 Year 2032 Year 16 Year+ 6 Month 2033 Year 17 Year 2034 Year 17 Year+ 6 Month 2035 Year 18 Year 2036 Year 18 Year+ 6 Month 2037 Year 19 Year 2038 Year 19 Year+ 6 Month 2039 Year 20 Year
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