Employee pension insurance currently requires at least 15 years of payment before retirement can be processed. So how much money can you get if you pay for 15 years according to the minimum payment period?
The first step is to familiarize yourself with the employee pension insurance pension calculation formula
The details are as follows:
The employee pension insurance retirement benefit calculation formula
The employee pension insurance retirement benefit is composed of basic pension + personal account pension
The average salary of employees on the job in the province in the previous year: It is announced every year by the local provincial department of human resources and social security or the autonomous region department of human resources and social security, and it is different for different years. For example, the average on-the-job salary in Hunan last year is currently 5,977 yuan, and the average on-the-job salary in Shanghai last year was 11,396 yuan.
My indexed average paid salary is: average on-the-job salary × payment index. The payment index is related to the individual's past payment level. It is the 60% level every year, so the average payment index in 15 years is also 0.6. If the 60% level is used for 9 years and the 100% level is used for 5 years, then the average payment index for 15 years is ( 0.6×9+1×5)÷15=0.69
Number of months of payment : The number of months of payment for retirement at age 60 is 139 months, and at age 55, it is 170 months. After 195 months of retirement, the personal account balance will be paid monthly according to the number of months.
Step 2: How much can employees receive after retirement in 15 years of pension insurance?
Take Shanghai as an example: Individuals pay the lowest level every year, with a payment index of 0.6. The current personal account pension balance is 105,000 yuan, the average salary on the job this year is 11,396 yuan, and the payment period is 15 Year, male 60-year-old pension:
Basic pension: (11396+11396×contribution index 0.6)÷2×15 years×1%=1367.5 yuan
Personal account pension: Personal account 105000÷number of payment months 139=755.3 yuan
Employee pension insurance is paid for 15 years. According to the lowest level, monthly retirement benefits at the age of 60: 2122.8 yuan/month
Personal account balance = personal payment base × 8% × 12 months × payment period. The personal account balance has interest every year. In addition, if you know the average salary and average payment level of local employees in the year of retirement, you can accurately calculate retirement benefits.
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