FINANCE · RETIREMENT PLANNER

Retirement planner

Put labor insurance, labor pension (new system), and personal savings on one planning sheet.

Local calculation · financial inputs are not uploaded

Your finances today

Amounts use TWD and today's purchasing power.

Current age

Current investable assets

NT$

Monthly take-home income

NT$

Monthly living expenses

NT$

Monthly investment contribution

NT$

Your retirement target

Retirement income can include pensions, rent, or other recurring income you expect to receive.

Target retirement age

Plan funds through age

Default: age 90. The main retirement test now requires assets to last through this age.

Monthly spending in retirement

NT$

Monthly retirement income

NT$

Investment & inflation assumptions

These are adjustable planning assumptions, not guaranteed returns. The calculator converts them into a real return after inflation.

Expected annual investment return

Expected annual inflation

Expected annual return after retirement

Used for the post-retirement spending path; typically set separately from the accumulation-stage return.

Withdrawal-rate reference

Reference only. The main retirement decision now uses the cash-flow simulation through your planning age.

YOUR RETIREMENT MAP

Retirement estimate

All amounts below are shown in today's purchasing power.

Assets needed through planning age — Monthly retirement funding gap —

Earliest estimated retirement — —

Needed monthly contribution for target age — —

Projected assets at target age — Gap / surplus vs target —

Planning horizon — —

Estimated asset support — —

Pre-retirement real annual return：—

Post-retirement real annual return：—

Withdrawal-rate reference target：—

Assets before and after retirement

The line now continues past retirement: contributions stop at the target retirement age, then recurring retirement spending is deducted until the planning age.

Return sensitivity

Compare the current return assumption with 2 percentage points lower and higher. This is a sensitivity check, not a forecast.

Scenario	Nominal return	Real return	Assets at target age	Earliest target age

Taiwan labor insurance + labor pension integrated estimate

This section reuses your age, target age, planning age, personal assets, monthly investment, retirement spending, other retirement income, investment return, post-retirement return, and inflation from above. Add only the Taiwan pension fields below.

Birth year (CE)

Expected average insured salary

NT$

Current insured years

Old-age pension claim age

Current labor-pension balance

NT$

Monthly contribution wage

NT$

Voluntary contribution

Annual wage growth assumption

Labor-pension annual return assumption

Cash-flow retirement assets needed—

Comparable projected assets—

Funding gap / surplus—

Integrated earliest retirement—

Labor insurance—

Labor pension—

Post-retirement real return：—

Rules used: the higher of the two published labor-insurance old-age pension formulas; early/delayed claim changes 4% per year up to 20%; employer labor-pension contribution uses 6% and voluntary contribution is limited to 6%. If target retirement is before age 60, the labor-pension account is not treated as immediately available.

BLI pension formulas ↗ · Statutory claim age ↗ · Labor-pension contributions ↗ · Labor-pension account ↗

Scenario estimate only. National Pension aggregation, old-system pension, taxes, NHI premiums, special occupations, disability/survivor benefits and future law changes are not modeled. Actual benefits depend on official records and rules in force when claimed.

How the calculation works

1. The main retirement target is a cash-flow present value: monthly retirement spending minus recurring retirement income, discounted with the post-retirement real return from the target retirement age through the planning age.

2. Before retirement, contributions and the pre-retirement real return grow assets. At retirement, contributions stop; the chart then deducts the monthly retirement funding gap while applying the post-retirement real return.

3. The withdrawal-rate field is now only a reference comparison. It no longer decides whether the main result says you can retire. Taxes, fees, market volatility, health costs, and sequence-of-returns risk are not modeled.

Planning estimate only. It is not investment advice and does not guarantee that a chosen withdrawal rate or return will be sustainable. Revisit assumptions regularly and consider professional advice for major retirement decisions.

Frequently asked questions

How do I use it?

Fill the on-page fields and review the estimate.

Is anything uploaded?

Everything runs locally in your browser and is not uploaded.

How is this different?

Estimates only—not bank, tax, or legal advice.