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Civil Servant PensionTW-specific

Taiwan's civil servants follow a different pension system from private-sector employees. This tool implements the 2018 reformed formula (退撫新制): monthly pension = average monthly salary × service years (max 35) × 2%.

Inputs

Monthly pension requires the 85 rule (age + years of service ≥ 85) or age 65.

Monthly salary = base salary + supervisory allowance + professional allowance, etc. (pre-tax cash amount).

Civil-servant step increases plus allowance adjustments are typically 1–3% per year.

Results
Monthly pension under the Civil Servant Retirement Act (退撫新制)
NT$73,123 / month
Average monthly salary NT$104,461 x creditable years 35 x 2%
Total years of service at retirement
40 years
Above the 35-year cap — credit capped at the limit.
Monthly salary at retirement (estimated)
NT$108,682
Replacement rate (monthly pension / final monthly salary)
67.3%

A higher replacement rate means more disposable retirement income. Post-reform payouts may be adjusted by statutory caps.

Based on the simplified formula under the Act Governing Civil Servants' Retirement, Discharge and Pensions (effective July 2018): creditable-years cap 35, monthly pension = average monthly salary x creditable years x 2%. This calculation excludes Public Service Insurance (公保) old-age benefits, the 18% preferential deposit, and post-reform tapering provisions. It also does not cover the new DC scheme applied to personnel hired after 2023. Actual amounts are determined by the Ministry of Examination.

Applies to civil servants who entered service before 2023-07-01. New entrants from 2023 onwards follow the defined-contribution (DC) system with 15% employer + 0–7.5% self-contribution. This tool does not cover DC, 18% preferential savings (舊制), or the Civil Servants Insurance old-age payment.

Refer to the Ministry of Civil Service for official figures.

Frequently asked

How does the civil servant pension differ from labor pension?
The 2018 reformed system (退撫新制) is defined-benefit (DB): payout is formula-based (monthly salary × years × 2%) regardless of fund performance. Labor pension is hybrid: Labor Insurance is social insurance and Labor Pension is a defined-contribution (DC) individual account. At the same NT$60K salary and 30 years of service, a civil servant gets ~NT$36K monthly while a labor employee gets ~NT$25-30K combined.
Why is the formula 'monthly salary × years × 2%'?
It accumulates 2% of replacement income per year. 30 years = 60% replacement, 35 years = 70% (capped at 35 years). Example: average pre-retirement monthly salary NT$60K × 35 years × 2% = NT$42K monthly pension.
Will my pension shrink due to the 2018 reform?
Yes. The reform introduces a replacement rate ceiling and a step-down clause: every 2 years post-retirement, the rate drops by 1.5 percentage points for the first 10 years, falling from 75-80% to about 60%. The tool calculates the starting payout — your actual long-term payout will be lower than displayed.
What about civil servants entering after July 2023?
They fall under the new defined-contribution system: government contributes 12-15% of salary monthly, employee can self-contribute 0-7.5%. The tool does not cover this DC system — its math mirrors the Labor Pension Act (individual-account accumulation), so use the Labor Pension Calculator for an analogue projection.
Is the Civil Servant Insurance old-age payment computed separately?
Yes. The Civil Servant Insurance (公保) is a separate social-insurance scheme (analogous to Labor Insurance), paying a lump-sum old-age benefit based on years of service and insured salary. It is independent from the 退撫新制 monthly pension. The tool does not include it — refer to the Ministry of Civil Service for that figure.
Does this tool store my salary or service data?
No. All math runs locally in your browser. Nothing is uploaded.

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