According to the requirements of the state to increase the minimum payment period for pension insurance, from 2030 to 2039, the minimum payment period for retirement pension will gradually rise to 20 years. For the post-90s, the vast majority of people need to pay at least 20 years before they can retire and receive a pension.
At that time, if the pension insurance has been paid for 20 years, how much can the pension receive?
How exactly is a retirement pension calculated?
The current retirement pension calculation formula reflects a variety of factors such as the number of years of payment, the payment base, the average salary, the accumulation of individual contributions, and the retirement age, and the future will not change much.
According to the 14th Five-Year Plan for the Development of Human Resources and Social Security, the relevant monthly calculation system may be improved due to various factors such as the increase in average life expectancy and the change in the accounting interest rate of the personal account of pension insurance. After all, the number of months of retirement age has not changed for 20 years, but I believe there will be a proper plan for how to change and how to transition.
For the sake of simplicity, we retire at the age of 55 (the time is 2045), and the pension insurance payment period is 20 years, according to the current basic pension calculation formula.
The basic pension mainly consists of the following two parts:
(1) Basic pension = average salary × of the previous year of retirement (1 + average contribution index of the person) ÷ 2× payment period ×1%.
Generally speaking, those who have only paid for endowment insurance for 20 years are in order to choose the most cost-effective way to participate in insurance, so the payment grade is often the minimum base of 60%.
If it is like Shandong Province, from January 1 to December 31, the upper and lower limits of the unified payment base for the whole year are used, and the average payment index of 60% grade payment is 0.6.
According to the calculation formula, if the average contribution index is 0.6 and the contribution has been paid for 20 years, you can receive 16% of the average salary of the previous year of retirement.
At present, the pension base across the country is generally between 6,000 ~ 12,000 yuan, and the highest is 12,307 yuan in Shanghai. As the mainland gradually shifts to a stage of high-quality development, the growth rate of average social wages in the future is likely not to be as fast as in history.
If it is estimated at an annual growth rate of 3%, by 2045, the current average salary is 7,500 yuan, and it is expected to increase to about 13,500 yuan.
Therefore, it is estimated that only the basic pension part can receive 2,160 yuan.
(2) The personal account pension is equal to the balance of the pension insurance personal account at the time of retirement ÷ the number of months determined by the retirement age.
The balance of the personal account of the endowment insurance is credited to 8% of the payment base every month, which is equivalent to the payment of the employees of the unit themselves, and will not lose money.
Since the interest rate on the bookkeeping is generally lower than the average wage growth rate in society, there may be a certain depreciation in the contributions made in the early years.
For the sake of simplicity, we estimate the personal account balance based on 90% of the final year's contributions to form the personal account balance.
The average salary for the last year is assumed to be 13,500 yuan, and the 60% payment level is 8,100 yuan. For each month of payment, the personal account can increase by 648 yuan. It is 7,776 yuan for one year and 155,520 yuan for 20 years. Take 90% to get the estimated balance of $139968.
Retirement at the age of 55 is currently 170 months. It is estimated that in 20 years, it will be increased to 200 months. According to the calculation of 200 months, about 700 yuan per month to receive a personal account pension.
The two parts of the pension are added together, and the monthly treatment is 2,860 yuan.
If the post-90s generation can have such a pension, it is still very cost-effective compared to the current pension insurance of only more than 10,000 yuan a year. Pay now to save money in the future. #养老金计算#