As an ordinary worker, he has to go out hundreds of dollars every month to pay social security. After all, social security is his guarantee. Some people have some questions about social security. For example, we have paid social security for so many years, how much can we get after 15 years? Take Shanghai for example, let's calculate the small part.
How much does social security get every month after 15 years
Based on the average salary of 6000 yuan per month in Shanghai, your personal pension is 6000 & times; 8% & times; 12 & times; 15 = 86400 yuan. The unit pays 6000 & times; 20% & times; 12 & times; 15 = 216000 yuan, a total of 302400 yuan. This is all the fees you pay during your working period. Are you wondering if you have paid more than 300000 yuan, or if you have received a lot of money every month? In fact, the fact may be crueler than you think, because the pension formula is as follows:
Basic pension = (monthly average wage of on-the-job employees in the previous year + monthly average payment wage of my indexation) & divide; 2 & times; payment period & times; 1% = [(6000 + 6000) & divide; 2] & times; 15 & times; 1% = 900 yuan.
Personal account pension = personal account deposit (total amount of personal contribution) & divide; personal account pension calculation months = 230400 & divide; 101 = 855 yuan (Note: according to the latest national regulations, the post-90s can only retire when they are 65 years old, and the number of individual account pension calculation months is 101 months), 900 + 855 = 1755 yuan, that is to say, the pension you get every month is 1755 yuan.
From the above analysis, based on the average salary of 6000 yuan in Shanghai, the monthly pension you can get after 15 years is 1755 yuan, which is not enough for the high consumption of Shanghai to guarantee the basic life of pension in the future. So if you want to get the money after retirement, you have to pay a long time for social security. For example, if you pay 40 years, you can get a pension of more than 4000 yuan.