Couple Retirement Cashflow Planner
Model two household members' separate retirement dates and the family's changing work income, pensions, spending and assets.
This is not an authenticated pension-account or policy query. Enter verified local parameters and approved amounts yourself. Changing language does not change the Chinese system. Estimates do not replace official determinations or claim decisions.
Rules verified on:2026-10-13Verify first: official inquiry and rules description
- For basic pension accounts, payment records and calculation and distribution parameters, please verify the national social insurance public service platform or the local agency, and do not fill in the password or certificate into this site.
- The personal pension tax can be checked by the tax department; please check the official reply of the contract or the insurance company for the official reply of the contract for the commercial insurance, the deductible amount, the remaining limit and the cash value.
- The following buttons only open the corresponding official website when they actively click, and will not automatically jump, and will not carry the input parameters on this page. This site does not collect real accounts or insurance policy information.
The main rules are based on: progressive delay in the decision of statutory retirement age, the implementation of the interim measures for the flexible retirement system, the basic pension calculation and issuance method, the personal pension tax policy and the insurance consumer risk warning. Future changes are subject to the latest regulations of the release department.
Do not enter names, ID numbers, medical records, policy numbers or passwords. Calculations run in the browser and are cleared on leaving this group, reloading or closing. Only your copy or download action exports results to you.
This tool is calculated according to Chinese rules and RMB; the switching language will not change the tax system, interest rate, unit or applicable area.
Couple Retirement Cashflow Planner User manual
- Fill in the parameters or select the file according to the form, and check the unit and format first.
- If A retires January 2030 and B January 2031, A switches income from February 2030 and both have switched from February 2031.
- Click the processing button to view the results, you can copy or download and save.
Calculation method and processing rules
Keep work income in each person's retirement month and switch to pension income the next month, labeling stages with zero, one or two retired members.
scope of use
No real names are needed. Timely benefit approval and payment are assumptions. Marriage, survivor benefits, inter-region transfers and medical-insurance eligibility are not decided.
Will the input content be saved on the server?
This tool handles input in the browser, and does not upload files or form content. Typing practice scores are only saved in the native browser.
Why may the result be different from other tools?
No real names are needed. Timely benefit approval and payment are assumptions. Marriage, survivor benefits, inter-region transfers and medical-insurance eligibility are not decided. Please compare the input unit, rounding method, applicable rules and data version first.