Social insurance pension (valuation) calculator

Generally speaking, the pension benefits of retirees in various places (taking enterprise employees as an example) are: personal account pension+basic pension+other allowances.

(1) Personal account pension. The total amount of funds in a personal account is divided by a certain number, which is determined by the age at retirement.

Retirement age figures (individual account pension months)

45? 2 16

50? 195

55? 170

60? 139

65? 10 1

Suppose: Retire at the age of 60, with a personal account of 69,500 yuan. Personal account pension =69500/ 139=500 yuan.

(2) Basic pension. It is the payment period multiplied by 1% multiplied by the average monthly salary of the local society in the year of retirement.

Suppose: the local monthly salary is 4000 yuan, and the payment is 25 years.

Basic pension =25* 1%*4000= 1000 yuan.

Note 1: It is assumed that the payment has been made according to the local average wage level. If the payment is high, the number 1% is high, for example, 2%, and if the payment is low, it is less than 1%, for example, about 0.7%.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.