養老金情景測算
按用戶提供的計發基數、繳費指數、年限及個人賬戶余額計算養老金組成情景值。
預填內容僅為演示參數，不是您的實際資料或當前地區費率；計算前請替換。
計算方法與來源
基礎部分 = 基數 × (1 + 平均指數) ÷ 2 × 年限系數；個人賬戶部分 = 余額 ÷ 計發月數；再加用戶核定的過渡金額。
方法核對日期：2026-09-08
填寫內容僅在當前瀏覽器處理，不上傳、不記錄表單值、不自動保存。只有您主動點擊時才導出結果。
{"fields":[{"key":"variant","label":["剩余月份計算口徑","Residual-month convention"],"type":"select","options":[["general",["一般情景：每月 1% ÷ 12","General: 1% / 12 per month"]],["shanghai",["上海所引規則：每剩余月 0.083%","Cited Shanghai rule: 0.083% per month"]]],"value":"general"},{"key":"base","label":["申領時適用的月計發基數","Applicable monthly pension calculation base"],"type":"number","value":10000,"min":0,"max":1000000000,"step":"any"},{"key":"index","label":["已核實的本人平均繳費指數","Verified average contribution index"],"type":"number","value":1,"min":0,"max":10,"step":"any"},{"key":"years","label":["已核定完整繳費年數","Verified whole contribution years"],"type":"number","value":30,"min":0,"max":80,"step":1},{"key":"months","label":["剩余繳費月數","Residual months"],"type":"number","value":0,"min":0,"max":11,"step":1},{"key":"balance","label":["預計申領時個人賬戶余額","Personal account at claim date"],"type":"number","value":139000,"min":0,"max":1000000000,"step":"any"},{"key":"divisor","label":["已核實的個人賬戶計發月數","Verified payout divisor"],"type":"number","value":139,"min":1,"max":1000,"step":"any"},{"key":"transition","label":["已核定過渡性等月金額（沒有填 0）","Verified transition/other monthly amount"],"type":"number","value":0,"min":0,"max":1000000000,"step":"any"}],"title":["養老金情景測算","Pension Scenario Calculator"],"engine":"pension","scope":["僅企業職工養老金公式情景，不是城鄉居民養老計算器。未計算未來政策、領取資格或退休日期。139 只是 60 周歲常見示例，不自動適配延遲退休年齡。","Employee pension scenario, not the resident pension scheme. No eligibility or future policy prediction. 139 is an example for age 60, not an automatic delayed-retirement divisor."]}