How much money to pay for pension insurance this year?2 minutes to take you to understand clearly

Time is running out, it is already 2022, with the aggravation of the degree of aging in China, we are more and more concerned about the pension, what kind of life after retirement depends on the pension, so we should actively pay all kinds of pension insurance before retiring, so, this year's pension insurance year to pay how much money it?

How much money do you pay for pension insurance this year, is determined by each person's contribution base, so each person's contribution base is not the same; but governments around the world will introduce a minimum contribution, depending on the rules of the local government to pay.

The pension insurance is actually composed of two parts, the urban and rural residents' pension insurance and the employees' pension insurance; the urban and rural residents' pension insurance is a yearly contribution, while the employees' pension insurance is a monthly contribution.

I. How much does the employee pension insurance pay?

There are two parts of the population involved in paying employee pension insurance. The first part is the flexible employment personnel, freelance generally pay their own pension insurance. The other part is the active workers, who are basically involved in paying the pension insurance by the organization.

1, flexible employment

As a flexible employment, that is, freelance, if you want to have a pension after the age of the same as the working class, then you have to pay the full amount of their own pension, the contribution has a fixed percentage, the general provisions of the city are 20%. So, the amount of contribution depends on your own future want to get a how the level of pension, if you want to live well, you can choose a higher contribution base, which also represents a higher amount of pension insurance.

For example, if Li chooses 6,000 yuan as his basic pension contribution base for this year, his monthly contribution will be 6,000 x 20 percent, or 1,200 yuan, 40 percent of which will go into Li's personal social security account, while the remaining 60 percent will be paid into the state co-ordinated account.

2, active workers

Generally speaking, for the pension insurance of active workers, the proportion of individual contributions is 8%, and the proportion of unit contributions is 16%. The implementation of the individual to pay how much money each month depends on their own social security pension base, the base is generally your last full year's average monthly salary, the larger the base of the monthly payment of money naturally more.

For example, Li's annual average monthly salary last year was 5,000 yuan, after the adjustment of the contribution base in July this year, Li's monthly pension insurance is 5,000 x 8% or 400 yuan, while Li's work unit for him to contribute 5,000 x 16% or 800 yuan.

There is one thing that needs special attention here, no matter whether it is a flexibly employed person or a working employee, each local government will set a minimum contribution base, and you can't pay less than that standard. This minimum contribution base standard is set differently in each province, so how much you pay for pension insurance this year varies from place to place as well as from person to person.

Two, urban and rural residents pension insurance to pay how much money?

After finishing the employee's pension we will look at the urban and rural residents of the pension insurance is how to pay, which is roughly the same as the above, the governments of various places will be issued by the government to announce the contribution grade, so this year's pension insurance per person to pay how much it depends on each person's own choice.

Broadly speaking, the model of urban and rural residents' pension insurance is similar to that of flexibly employed people, and choosing a higher level will allow you to enjoy higher subsidies, which means a higher pension after retirement.

How to pay for pension insurance, more cost-effective?

1. Enterprise workers

Enterprise workers have a relatively fixed pension insurance contribution pattern. If the income is higher than the contribution ceiling set by the local government, the amount will be deducted according to the ceiling amount, and vice versa if it is lower than the contribution floor, the amount will be deducted according to the floor. And for workers in this range, they are deducted according to a fixed percentage of their monthly income.

It is easy to see that income at work and pension after retirement are directly proportional, the higher the income, the higher the contribution, the more pension after retirement.

2. Flexible Employee

Flexible Employee's contribution mode is a bit more independent, and you can contribute according to your own intention. If you have a high income and are relatively well-off, it is recommended that you contribute 100% of your income. For those who have a greater financial burden, they can also choose to contribute at the lowest level.

3. Urban and rural residents

For urban and rural residents, after knowing the local government's announced pension standard, then combine with their own financial situation to determine which contribution level to choose. This is the same as the flexible employment, if the pressure is not very high and the standard of the city of residence is higher, it is recommended to choose the highest level of contribution. On the other hand, it is more cost-effective to choose a lower-middle contribution bracket.

In summary, if you want to have a decent life after retirement, it is recommended that you choose a higher contribution base after combining all aspects of your strengths.

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