Taiwan Labor Pension Calculator (勞退): 6% and Voluntary Contributions
Project your Taiwan labor pension (勞退): the employer's 6%, your voluntary 0–6%, the return and the balance at 60, with the tax saved on your contribution.
| Age | Contributions in the year | Balance |
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The return is not guaranteed; the law only guarantees at least the 2-year time deposit rate of local banks. Contributions follow the 115 pension grade table, capped at NT$150,000 a month, and the employer may pay more than 6%.
What it does
Under Taiwan's new labor pension system (勞退新制) the employer pays at least 6% of your wage every month into a personal account at the Bureau of Labor Insurance, on the grades of the pension table, up to NT$150,000. You may add a voluntary contribution of up to 6%, which is deducted from your taxable income that year. The account is invested by the labor fund and can be drawn from age 60, as a lump sum with less than 15 years of contributions or as a monthly pension.
How to use it
- Type your monthly salary, age and current balance.
- Choose the voluntary contribution, the return and the salary increase.
- Read the balance at retirement and the table year by year.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much will I have at 60 with NT$45,000 from age 30?
The employer pays 6% of the NT$45,800 grade, NT$2,748 a month. At 3% a year for 30 years that is about NT$1,590,303, of which NT$989,280 are contributions.
Is the voluntary 6% worth it?
It doubles the monthly deposit, so the same example ends at about NT$3,180,607, and at a 12% tax rate it saves about NT$3,957 of income tax a year.
When can I withdraw it?
From age 60. With 15 years of contributions or more you choose a monthly pension; with less you get a lump sum.
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