How to calculate pensions has always been a topic of concern for insured employees. At present, the pension calculation formulas in provinces across the country include both national unified parts and local characteristics. Like the pension calculation formula in Shandong Province, it mainly includes three parts: basic pension, personal account pension, and transitional pension .
basic pension part.
Basic pension is equal to (the pension calculation base for the year of retirement + my average contribution index × the pension calculation base for the year of retirement) ÷ 2× contribution period × 1%. The calculation formula of
is actually the same across the country, and of course the representation methods may be different in different places. For example, multiplying my average contribution index by the pension in the year of retirement is equal to , my indexed average contribution salary .
However, the local feature is that the pension bases are different in different places. Currently, there are 29 provinces, and each place has a local pension base . The pension base for Shandong Province in 2022 is 7,182.5 yuan, which is not too high or too low in the country. In fact, the average social wage of on-the-job workers in urban non-private units originally originated from Shandong Province. Currently, the pension base in three places across the country exceeds 10,795 yuan, namely Shenzhen City 10,795 yuan, Beijing City 11,082 yuan, and Shanghai City 11,396 yuan. The result of
Basic pension is that if the average contribution index is 0.6, you can receive a 0.8% pension calculation base for every year of payment. The average payment index is 1, and you can get 1%. The average payment index is 3, and you can get 2%. In special cases, it can be less than 0.6 or higher than 3.
personal account pension.
personal account pension calculation formula is a thorough national unified calculation formula.
Personal account pension is equal to the balance of the pension insurance personal account ÷ determined by the retirement age counting the number of months .
At present, the accounting ratio of personal pension insurance accounts is unified nationwide, with 8% of my contribution base.
The accounting of personal pension insurance account interest rate was announced uniformly since 2016, and has been above 6% to 8% in recent years. It is 6.12% in 2022.
The counting number of months determined by retirement age was issued in accordance with the decision of the 2005 National Development Document No. 38 " on Improving the Basic Pension Insurance System for Enterprise Employees ". It has not been revised so far and is expected to be revised and improved during the 14th Five-Year Plan period.
transitional pension.
personal account system was actually established after 1996, and some regions were piloted earlier.
transitional pension, similar to the benefits supplement , which lacked the payment period and deemed payment period of personal account pension before the implementation of the pension insurance personal account system.
Transitional pension in Shandong Province is equal to the pension calculation base for that year, multiplied by the payment period before the implementation of the personal account system, multiplied by 1.3%, and multiplied by the average payment index. Qingdao The time to establish a personal account was October 1994, and in other areas it was generally after December 31, 1995.
has a 40-year working experience, how much pension can you receive?
In fact, if you only know the working years (payment years) and it is not enough to calculate the pension, you should also need 's own average payment index, personal account balance, retirement age and other factors.
Assuming that my average contribution index is 1, the payment period is 40 years, the personal account balance is 100,000 yuan, and retire at the age of 60:
basic pension part, , if my average contribution index is 1, the payment period is 40 years, and the pension calculation base is collected 40% of the pension. Retirement in 2022 is RMB 2,873.
Personal Account Pension Part , with the account balance of 100,000 yuan and the number of months paid by 60 years old, you can receive a personal account pension of 719 yuan per month.
Transitional Pension Part , 1996 has been 26 years since 1996, and it is expected to have 14 years of transitional pension calculation time. If the average contribution index is 1, you can receive a 18.2% pension base, that is, 1,307 yuan per month. The three treatments above
are added together, and the final result is 4,899 yuan.If we include the 1,700 yuan heating subsidy received every year in winter, the average monthly income has exceeded 5,000 yuan.
This is the formula for calculating pensions in Shandong Province in 2022. The basic principle is to pay more and get more and pay more and get more and get more.
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