Retirement Planning

Retirement Tools

Three calculators for Taiwan's retirement system: labor insurance pension, new labor pension, and retirement gap analysis.

⚠️ Based on Taiwan's labor laws. For Taiwan residents only.

🏛️

Labor Insurance Pension

Monthly annuity or lump sum based on years of coverage and average insured salary. Auto-selects higher of Formula A or B.

Calculate → 💼

New Labor Pension

Employer mandatory 6% + optional self-contribution. Compound interest accumulation estimate at retirement.

Calculate → 📊

Retirement Gap

Set target retirement age, monthly expenses, and life expectancy. Calculate total needed and monthly savings required.

Calculate →
CALCULATOR 01

Labor Insurance Pension (勞保老年給付)

Taiwan Labor Insurance Act 2026 — monthly annuity (Formula A/B higher) or lump sum

🏛️ Labor Insurance Pension

Based on Taiwan's Labor Insurance Act (2026)

⚠️ Based on Taiwan's labor insurance laws (勞保條例). For Taiwan residents only.

元/月
29,50040,000 元45,800（上限）

Salary capped at NT$45,800

年
1年25 年45年
試算結果
Monthly Pension Amount (higher value applies)
NT$ 15,500
/ 月，終身領取
Formula A
NT$ 10,750
× 25yr × 0.775% + 3,000
Formula B ✓
NT$ 15,500
× 25yr × 1.55%
Break-even Analysis
Lump Sum AmountNT$ 1,400,000
Break-even AnalysisMonthly payments exceed lump sum after ~91 months

⚠️ Based on Taiwan's labor insurance laws (勞保條例). For Taiwan residents only.
CALCULATOR 02

New Labor Pension (勞退新制)

Employer mandatory 6% + self 0–6% compound accumulation

💼 Labor Pension (New System)

Based on Taiwan's Labor Pension Act (2026)

⚠️ Based on Taiwan's Labor Pension Act (勞退新制). For Taiwan residents only.

元/月
29,50050,000 元200,000
%
0%0%6%
💡Employer mandatory: 6%
%
0%3.0%12%

勞退基金近10年平均年報酬約 3-4%；個人投資參考值 6-8%

年
1年30 年45年

勞退新制最早請領年齡為 60 歲；影響月領計算的預估餘命

試算結果
Employer mandatory: 6%
NT$ 3,000
× 6%
Self: 0% (tax-deductible)
NT$ 0
× 0%
Total Accumulated at Retirement
NT$ 1,748,211
3% annual compound return
Estimated Monthly Pension
NT$ 7,284
65yr, 20 yr life expectancy (240 mo)
Monthly Total ContributionNT$ 3,000
30 yr Total ContributedNT$ 1,080,000
Investment GainNT$ 668,211
Total Return61.9%

⚠️ Based on Taiwan's Labor Pension Act (勞退新制). For Taiwan residents only.
CALCULATOR 03

Retirement Gap Calculator

Set retirement age, monthly expenses, life expectancy — calculate gap and monthly savings needed

📊 Retirement Gap Calculator

Calculate total retirement fund needed and current shortfall

⚠️ Based on Taiwan's retirement planning context.

歲
歲
歲
66歲85 歲（退休 20 年）105歲

2024 台灣平均壽命：男性 77.4 歲、女性 83.7 歲

元/月
1萬40,000 元/月20萬

通膨調整後，退休時月花費約 NT$ 72,454

元/月

可用上方兩個計算器估算勞保月領 + 勞退月領後填入

元
050.0 萬500萬
%

台灣長期均值約 2%

%

保守 3% / 積極 7%

試算結果
⚠️ Retirement Gap
NT$ 6,172,986
47% shortfall
Monthly Savings Needed
NT$ 7,417
5% × 30 yr
Fund Details
Total Retirement Fund Needed
20 yr
NT$ 1.30M
4% Rule Reference
exp×12÷4%
NT$ 2.20M
Current Savings (Future Value)
@ 65
NT$ 2,160,971
Expected Monthly Pension (Labor Ins. + Pension)
240 mo
NT$ 4,800,000
Total Available
NT$ 6,960,971
Now
35 yrs
→
30 yr
Retire
65 yrs
→
20 yr
End
85 yrs

⚠️ 本試算僅供退休規劃參考，不構成任何金融建議。實際退休金額、通膨與投資報酬均有不確定性，建議定期重新試算。

3 Key Things About Taiwan's Retirement System

🏛️

Labor Insurance vs. Labor Pension

Labor Insurance (勞保) is a social insurance system — monthly pension based on years of coverage. Labor Pension (勞退) is a personal account — employer must contribute 6%. Both can be received simultaneously.

📈

Tax Benefit of Self-Contribution

Self-contributions to Labor Pension are deductible from salary income. At NT$600K annual salary, 6% self-contribution saves over NT$2,000 in taxes — effectively a bonus.

💰

The 4% Rule

Withdraw no more than 4% of retirement assets annually — theoretically sustainable for 30+ years. NT$40K/month spending requires ~NT$12M in retirement assets.