After paying enough social security 15 years in Beijing, how much can I get every month after retirement?

The amount of Beijing-Jiao 15 social security pension is based on the actual payment base, which is generally provided by personal accounts and basic pensions. Two plus one is the total amount you can get every month after retirement. According to relevant national policies, the insured of old-age insurance must reach retirement age and pay social security 15 years or more before they can receive basic old-age insurance on a monthly basis.

1. jingjiao 15 how much is the social security pension?

The amount received after retirement depends on how much money is paid.

Pension consists of personal account pension and basic pension. Two plus one is the total amount you can get every month after retirement.

Personal account pension is easy to understand, that is, 8% of the pension insurance we pay each month will all be credited to your personal pension account. After retirement, we will divide the total amount by the number of payment months and send it to you every month.

For example, you have paid pension insurance for 30 years and retired at 60.

The monthly salary is 5000 yuan (this is for the convenience of calculation, and the salary will definitely increase in real life). Pay 8% of the endowment insurance every month. In 30 years, you have paid 5000 times 8% times 12 times 30 = 144000 yuan.

When it comes to the basic pension, this calculation formula is more complicated. Just look at the conclusion.

Basic pension = (when I retire, the average monthly salary of employees in the whole province last year, and my average monthly payment salary) /2 times the payment period multiplied by 1%.

The amount of endowment insurance is 8% of everyone's monthly salary, which means that your average monthly salary in the previous year multiplied by 8% is what you need to pay every month.

In addition to personal pension, enterprises should also pay 14%-20% pension insurance for employees. At present, the proportion of social security contributions is being lowered, and there will be differences between provinces and cities. Please consult the company personnel for details.

Above, that is to say, in your pension account, you and your work unit will pay for you separately, and this ratio will exceed 20%.

Second, the pension base.

Pension base generally refers to "endowment insurance base", refers to the payment base of endowment insurance, and is the base for calculating the proportion of endowment insurance premiums that should be paid now.

This base is mainly related to my salary base, and has nothing to do with the future pension amount and the average social wage. But if your actual income is higher or lower than the average social wage, this base needs to be adjusted.

Average local monthly salary 1500 yuan;

1. Your salary is 1200 yuan, and the payment base of old-age insurance is 1200 yuan. According to the ratio of 8%, you have to pay 96 yuan;

2. If your salary is 5,000 yuan, the payment base of old-age insurance is 4,500 yuan, and 500 yuan above is not the base. According to the ratio of 8%, you have to pay 360 yuan;

3. If your salary is 800 yuan, which is lower than 60% of the average monthly salary of the society, it is calculated as 60% of 1500 yuan, and your pension insurance contribution base is calculated as 900 yuan, and you have to pay 72 yuan at 8%;

In the future, your pension will be calculated according to the average monthly salary of the society at that time multiplied by your payment period multiplied by 1% of your total payment/120 (specific provisions are different in different regions, and there are corresponding regulations in each region).

Third, how does social security calculate premiums?

Payment amount = payment base multiplied by payment proportion.

1, social security payment base

The payment base of social security refers to the wage base used by enterprises or employees to calculate and pay social insurance premiums. This base multiplied by the prescribed rate is the amount of social insurance premiums that enterprises or individuals should pay.

Local social security payment bases are linked to local average wage data. It is determined according to the average monthly wage income of employees from June 1 day to February 1 day in the previous year. Once a year, it will not change within one year after confirmation. The time to apply for adjusting the social security base is generally in July.

Enterprises generally take the total wages of enterprise employees as the payment base, and individual employees take half of their average monthly salary in the previous year as the salary base for individuals to pay social insurance premiums. In China, the payment base is approved by the social insurance agency according to the employer's declaration.

2. Payment ratio

Payment ratio, that is, the collection rate of social insurance premiums. China's "Social Insurance Law" does not make specific and clear provisions on the collection rate of social insurance. According to China's current social insurance policy, we implement different collection ratios for different types of social insurance.

To sum up, social security is particularly important to us, and now China stipulates that employers must buy social security for employees, while China's social security regulations must pay 15 years to get it. There are also age requirements for receiving social security, and the standard for receiving social security depends on the actual situation. Different regions will have different amount standards.