How much do you get every month after social security 15? How much social security can I get for retirement when I pay 15 in January?

After social security payment 15, the monthly pension after retirement is about 150~3000. For most people, if the pension is less than 1000 yuan, it is difficult to meet the basic living. Also pay 15 social security, why is the monthly pension gap so big?

1. How much pension can I get every month after paying social security 15 years?

There are two ways to pay social security in China: one is endowment insurance for urban workers; The second is the endowment insurance for urban and rural residents. Different payment methods, different payment amounts, and slightly different retirement pensions. The higher the payment standard, the higher the pension after retirement.

(1) Endowment insurance for urban workers

1. Payment group: enterprise employees and flexible employees pay monthly fees.

2. Payment standard: the average annual salary of enterprise employees is the payment base, and the payment ratio is 8%; Flexible employees pay according to the local average salary, and choose 60%~300% to pay, and the payment ratio is 20%.

Case 1:A pays according to the standard of 60%, the payment period is 15 years, and the average payment base is 2400 yuan. Retired at the age of 60, the local average salary is 6000 yuan. What is the pension after retirement?

Personal account pension 1. A: 2400 * 8% *12 *15/139 = 249 yuan.

2.a's basic pension: 6000 * (1+0.6)/2 *15% = 720 yuan.

3.a's basic pension: 249+720=969 yuan.

Case 2: B pays according to the standard of 100%, the payment period is 15 years, and the average payment base is 4,000 yuan. Retired at the age of 60, the local average salary is 6000 yuan. What is the pension after retirement?

4. Personal account pension of B: 4,000 * 8% *12 *15/139 = 414 yuan.

5.b's basic pension: 6000 * (1+1)/2 *15% = 900 yuan.

6.b's basic pension: 414+900 =1314 yuan.

Case 3: C pays according to the standard of 300%, the payment period is 15 years, and the average payment base is 12000 yuan. Retired at the age of 60, the local average salary is 6000 yuan. What is the pension after retirement?

7. Personal account pension of Party C:12000 * 8% *12 *15/139 =1243 yuan.

8.C's basic pension: 6000 * (1+3)/2 *15% =1800 yuan.

9.c's basic pension: 1243+ 1800=3043 yuan.

(2) Endowment insurance for urban and rural residents

1. Payment group: urban and rural residents, mainly those who have no fixed occupation, pay annually.

2. Payment standard: urban and rural residents choose to pay according to local legal standards. Generally, the lowest grade 100 yuan and the highest grade is 2000 yuan. The lowest grade in some areas can reach 5300 yuan (such as Shanghai) or even 12000 yuan (such as Qingdao).

3. Basic pension standards: The basic pension standards in different provinces are slightly different. Among them: the highest in Shanghai, 1200 yuan; Beijing followed closely, followed by 850 yuan. For employees who pay residents' pension insurance, the higher the basic pension standard, the higher the retirement pension.

Case 4: D employees pay the minimum pension insurance 100 yuan, the subsidy standard is 50 yuan, and the payment period is 15 years.

D Employee personal account pension: (100+50) *15/139 =16 yuan.

1. If you retire in Shanghai, the basic pension of employee D is1200+16 =1216 yuan.

2. If you retire in Jiangsu, the basic pension of employee D is173+16 =189 yuan.

Case 5: E employees should pay the minimum pension insurance of 2,000 yuan, the subsidy standard is 200 yuan, and the payment period is 15 years.

E employee personal account pension: (2000+200) *15/139 = 237 yuan.

1. If you retire in Shanghai, the basic pension of employee E is 1200+237= 1437 yuan.

2. If you retire in Jiangsu, the basic pension of employee E is 173+237=4 10 yuan.

2. After paying social security 15 years, is the monthly pension enough for living expenses after retirement?

202 1 national per capita consumption expenditure in the first half of the year 1 147 1 yuan. In terms of urban and rural areas, the per capita consumption expenditure of urban residents is 14566 yuan (equivalent to 12 14 yuan per month), while that of rural residents is 7464 yuan (equivalent to 622 yuan per month).

Relatively speaking, urban residents must have at least 1000 yuan to meet the basic living standards; Rural residents should be at least above 500 yuan.

Write at the end:

1. Social security contribution 15 years is the minimum threshold for retirement. If the endowment insurance for urban workers is paid, the payment will be 15 years, and the pension after retirement will be about 800 ~1500; If the endowment insurance for urban and rural residents is paid, the payment will be 15 years, and the retirement pension will be about 150~ 1300 yuan.

2. For most people, the payment period is 15 years, and the pension received after retirement is only a minimum standard. If there is spare capacity, it is suggested to continue to pay fees after 15 years. Because pensions are paid more, they receive more; Give a long time, and you will get more.