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How to calculate this year's retirement salary? The latest calculation method of this year's pension

How to calculate this year's retirement salary? How to calculate this year's retirement salary pension

4hw.com.cn: at present, with the gradual rise of China's aging population, pension issues related to people's livelihood have attracted much attention. With the improvement of the national economic level, China's pension is also increasing. How to calculate the retirement salary pension this year? The following small series brings you a detailed pension calculation method.

Pension = basic pension + individual account pension

Individual account pension = individual account savings & pide; Number of paid months (the number of paid months is determined according to the retirement age and the average life expectancy of the population at that time. The number of paid months is slightly equal to (average life expectancy of the population - retirement age) X12. At present, the age of 50 is 195, the age of 55 is 170 and the age of 60 is 139, which is no longer 120.)

Basic pension = (average monthly salary of on-the-job employees in the province in the previous year + average monthly payment salary indexed by myself) & pile; 2× Payment years & times; 1% = monthly average salary of on-the-job employees in the province in the previous year (1 + my average payment index) & pide; 2× Payment years & times; 1%

Where: my indexed monthly average payment salary = monthly average salary of on-the-job employees in the province in the previous year & times; My average payment index

It can be seen from the above formula that when the payment years are the same, the level of the basic pension depends on the individual's average payment index, which is the average value of the ratio of their actual payment base to the social average wage over the years. The lower limit is 0.6 and the upper limit is 3.

Therefore, in the two calculations of pension, in any case, the higher the contribution base is, the longer the contribution period is, the higher the pension will be. The pension is provided for indefinitely. As long as the recipient survives, he can enjoy the treatment of receiving the pension on a monthly basis. Even if the pension in the individual account has been used up, he will continue to calculate and pay the basic pension according to the original standard. Moreover, the individual pension will increase year by year according to the increase of the average monthly salary of social on-the-job employees. Therefore, the longer you live, the more you can get. Compared with paying fees, it must be more cost-effective.

For example, according to the above formula, assuming that male employees retire at the age of 60, the average monthly salary of on-the-job employees in the province in the previous year is 4000 yuan.

When the cumulative payment period is 15 years

When the average individual contribution base is 0.6, the basic pension = (4000 yuan + 4000 yuan & times; 0.6) & pile; 2× 15× 1% = 480 yuan

When the average individual contribution base is 1.0, the basic pension = (4000 yuan + 4000 yuan & times; 1.0) & pile; 2× 15× 1% = 600 yuan

When the average individual contribution base is 3.0, the basic pension = (4000 yuan + 4000 yuan & times; 3.0) & pile; 2× 15× 1% = 1200 yuan

When the cumulative payment period is 40 years

When the average individual contribution base is 0.6, the basic pension = (4000 yuan + 4000 yuan & times; 0.6) & pile; 2× 40× 1% = 1280 yuan

When the average individual contribution base is 1.0, the basic pension = (4000 yuan + 4000 yuan & times; 1.0) & pile; 2× 40× 1% = 1600 yuan

When the average individual contribution base is 3.0, the basic pension = (4000 yuan + 4000 yuan & times; 3.0) & pile; 2× 40× 1% = 3200 yuan

Individual pension = basic pension + individual account pension = basic pension + individual account savings & pile; one hundred and thirty-nine

The average contribution index is that you paid according to the base of 1000 last year, and the social average wage of 2000 that year, your index of that year is 0.5. It's easy to calculate the average of each year. At that time, you can calculate how much pension you can.

How to get the pension after retirement?

1, the relationship between the elderly and the registered residence is locally collected. It is easy to understand that if you pay endowment insurance in the place where your registered permanent residence is located, you will receive your pension in the place where your registered permanent residence is located.

2, the relationship between the old age insurance is not in the registered residence, and it is collected in the area where the total payment has been paid for 10 years. That is, if you don't pay the old-age insurance in the place where your registered permanent residence is located, you can get the old-age insurance fund where you have paid the old-age insurance for more than 10 years.

3, not in the registered residence, and the payment is less than 10 years, and the return to the previous paid full years to receive. That is, if you have worked in n cities and have paid endowment insurance for less than 10 years before retirement, go back to the last city where you paid endowment insurance for more than 10 years to get your pension.

4. If you have paid endowment insurance for less than 10 years in all the cities you have been in, go back to your registered permanent residence to get your pension.