🇹🇼 New labor pension

Taiwan Labor Pension Voluntary Contribution Calculator

Voluntary contribution uses your own wages, adds to your individual pension account, and is excluded from salary income for the contribution year.

Calculator inputs

Labor-pension monthly contribution wage (TWD)Use the official labor-pension contribution wage; the current ceiling is NT$150,000.

Voluntary employee contribution rate

Years of voluntary contribution

Assumed annual return (%)Scenario only; not a forecast of actual fund returns.

Your marginal income-tax rate (for tax-effect estimate)

Estimated voluntary retirement contribution

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Monthly voluntary contribution—

Annual voluntary contribution—

Estimated annual tax effect—

Employer minimum 6% (separate)—

Key rule:Eligible workers may voluntarily contribute up to 6% of monthly wages under the new labor-pension system; voluntary contributions are excluded from salary income for that contribution year. This is the worker’s own additional contribution, not another government 6% contribution.

Official sources (checked 2026-08-22)

Two main effects of voluntary contribution

Your own money is accumulated in the individual labor-pension account, and the voluntary contribution is excluded from salary income for that contribution year. The immediate tax effect therefore depends on your marginal tax rate.

It is not a guaranteed high return

The individual account receives investment-income allocation under the labor-pension system, but actual long-term results depend on contributions and official fund performance. The future value here is only a scenario.