Online Pension Calculator for the Individual Laborer (New Labor Pension System)

Instructions for filling in the form

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:
1. "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) ).
2. "Employee Contribution Wage": This is set by default based on the Monthly Contribution Classification of Labor Pension, and users can manually input their wage.
3. " 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%.
4. "Labor Pension Fund Average Rate of Return": The average rate of return of the Labor Pension Fund for " this 1 year " (2025), " these 3 years " (2023 to 2025), " these 5 years " (2021 to 2025), " these 10 years " (2016 to 2025), and " Since its foundation " (2005 to 2025) announced by the Bureau of Labor Funds, Ministry of Labor. Users can manually input the expected Labor Pension Fund average rate of return.
5. Wage Growth Rate：
  1. "Annualized Growth Rate of Minimum Wage": Calculated based on the annualized growth rate of the minimum (basic) wage from 2006 to 2026.
  2. " Annualized Growth Rate of Median Total Salary ": Calculated based on the annualized growth rate of the median total salary from 2013 to 2024.
  3. " 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 2025.
  4. " 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 2025.
  5. " Annualized Growth Rate of Minimum Living Cost ": Calculated based on the annualized growth rate of the minimum living cost in Taiwan Province from 2006 to 2026.
  6. Users can manually input the expected wage growth rate.
6. 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.
Relevant Reference Materials：
1. " Labor Pension Fund Average Rate of Return ": For more information, please refer to the Bureau of Labor Funds, Ministry of Labor ( https://www.blf.gov.tw/49200/49255/49261/49269/49273/ (Open in new tab) , https://www.blf.gov.tw/49487/49497/183725/ (Open in new tab) ).
2. Basic (Minimum) Wage: For more information, please refer to the Ministry of Labor ( https://www.mol.gov.tw/1607/28162/28166/28180/70460/ (Open in new tab) ).
3. Median Total Salary, Total Average Earnings of Employees on Payrolls, and Average Regular Earnings of Employees on Payrolls: For more information, please refer to the National Statistics, Republic of China (Taiwan) ( https://www.dgbas.gov.tw/News_Content.aspx?n=3602&s=234206 (Open in new tab) , https://nstatdb.dgbas.gov.tw/dgbasall/webMain.aspx?k=main (Open in new tab) ).
4. Minimum Living Cost: For more information, please refer to the Department of Social Assistance and Social Work of the Ministry of Health and Welfare ( https://dep.mohw.gov.tw/dosaasw/lp-566-103.html (Open in new tab) ).
This calculator was updated on March 5, 2026, 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.

Estimated trial calculation results

Trial calculation results

Estimated cumulative pension and income

Regarding the monthly pension, the monthly payout amount is calculated based on the principal and accumulated earnings of the individual pension account, in accordance with the annuity life table, average life expectancy, and interest rate. It is paid quarterly until the end of the average life expectancy. For detailed calculation results, please visit the Bureau of Labor Insurance for a trial calculation (URL: https://www.bli.gov.tw/0104047.html (Open in new tab))

Calculation details

The existing amount in the "Labor Pension Individual Account"

year	individual salary（Month）	Cumulative accrued dividends	Annual contribution number	Cumulative principal	Cumulative principal and accrued dividends for monthly pension payments

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.

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.