This pension calculator is only for the purpose of providing the estimated pension; for
actual contributions and earnings, please refer to the "Labor Insurance Bureau e-Service
System" (link:
https://edesk.bli.gov.tw/ (Open in new tab)
).
When using this calculator, please enter your Starting and Retirement Age, Employee
Contribution Wage, Monthly pension contribution rate, Labor Pension Fund Average Rate of
Return, and Wage Growth Rate.
The results of this calculation are for reference only and will not affect the actual
amount of pension received. The actual pension received is still based on the total
amount accumulated by the individual in the “Labor Pension Individual Account” at the
Bureau of Labor Insurance.
The instructions for the relevant fields are as follows:
"Starting and Retirement Age": Users can select their starting and retirement
ages. The starting age cannot be later than the retirement age, and the
retirement age must be at least 60 years old. The default retirement age is 65.
For retirement ages above 60, the corresponding average life expectancy will
apply (link:
https://www.bli.gov.tw/0018437.html
(Open in new tab)
).
"Employee Contribution Wage": This is set by default based on the Monthly
Contribution Classification of Labor Pension, and users can manually input their
wage.
" Monthly pension contribution rate " refers to the employer's contribution
rate, which is set to the default of “6” %. Users can additionally choose to
make "voluntary pension contributions" ranging from 1% to 6%.
"Labor Pension Fund Average Rate of Return": The average rate of return of the
Labor Pension Fund for " this 1 year " (2024), " these 3 years " (2022 to 2024),
" these 5 years " (2020 to 2024), " these 10 years " (2015 to 2024), and " Since
its foundation " (2005 to 2024) announced by the Bureau of Labor Funds, Ministry
of Labor. Users can manually input the expected Labor Pension Fund average rate
of return.
Wage Growth Rate：
"Annualized Growth Rate of Minimum Wage": Calculated based on the
annualized growth rate of the minimum (basic) wage from 2006 to 2025.
" Annualized Growth Rate of Median Total Salary ": Calculated based on
the annualized growth rate of the median total salary from 2013 to 2023.
" Annualized Growth Rate of Total Average Monthly Earnings of Employees
on Payrolls ": Calculated based on the annualized growth rate of
employees on payrolls from 2005 to 2024.
" Annualized Growth Rate of Total Average Monthly Earnings of Employees
on Payrolls": Calculated based on the annualized growth rate of total
average monthly earnings of employees on payrolls from 2005 to 2024.
" Annualized Growth Rate of Minimum Living Cost in Taiwan Province ":
Calculated based on the annualized growth rate of the minimum living
cost in Taiwan Province from 2006 to 2025.
Users can manually input the expected wage growth rate.
The existing amount in the "Labor Pension Individual Account": The default of
this calculator is set at "0". If the user already has a "Labor Pension
Individual Account", they can check the current accumulated amount in the "Labor
Insurance Bureau e-Service System" and then enter the actual balance.
"Estimated monthly pension receivable" : at the time when applying for the
receipt of the monthly pension pursuant to the "Labor Pension Act", this
calculator will continue to calculate the total of the pension and its income
based on the estimated return on investment, which will be then evenly
distributed each month until it reaches the age of the estimated average life
expectancy that is entered. However, when laborers actually apply for the
receipt of monthly pension, the interest rate will be based on the average of
the annual guaranteed return rates announced for the first 3 years of the new
labor pension system. Thereafter, the interest rate will be reconsidered every 3
years in order to recalculate the amount of the monthly pension.
This calculator was updated on September 24, 2025, and the cumulative trial count and the number
of hits on the website of the BUREAU OF LABOR INSURANCE are calculated since March 22,
2023.
Online Pension Calculator for the Individual Laborer
(New Labor Pension System)
※ This system provides calculation for reference only.
For the detailed and accurate amount, please conduct the calculation according to the actual case.
Estimated trial calculation results
Trial calculation results
Estimated cumulative pension and income
Estimated monthly pension receivable
The percentage of the estimated amount of the monthly pension receivable out of
the average salary for the last 3 years(Income replacement ratio)
Trial calculation results
