Savings Policy Cashflow and Surrender Analysis
Separate guaranteed contract cashflows, date-specific surrender value and non-guaranteed scenarios, reporting a unique annualized reference only when supported.
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.
Savings Policy Cashflow and Surrender Analysis User manual
- Fill in the parameters or select the file according to the form, and check the unit and format first.
- Paying CNY 10,000 on January 1, 2026 and receiving CNY 11,000 on January 1, 2027 gives 10% annualized. Surrendering in July 2026 for CNY 9,500 instead loses CNY 500.
- Click the processing button to view the results, you can copy or download and save.
Calculation method and processing rules
Aggregate same-day cashflows and use actual days with a 365-day year. Solve only one negative-to-positive transition; surrender excludes later cashflows and adds the terminal cash value once.
scope of use
Multiple sign transitions or no in-range solution do not yield an arbitrary selected return. Sum insured, cash value, guaranteed and non-guaranteed benefits stay separate. No purchase or surrender advice is provided.
Why is there cash flow but not showing the rate of return?
Multiple positive and negative conversions may correspond to multiple yields, or the input is missing effective first and then income, and the rate of return is beyond the scope of the solution. The page will explain the reason and do not choose any of the multiple roots as a unique answer.
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?
Multiple sign transitions or no in-range solution do not yield an arbitrary selected return. Sum insured, cash value, guaranteed and non-guaranteed benefits stay separate. No purchase or surrender advice is provided. Please compare the input unit, rounding method, applicable rules and data version first.