How much of a monthly pension will I get if I pay 15 years of social security at the minimum rate?

It depends on the situation. Such as the province's average monthly wage of 4,000 yuan in the previous year on-the-job workers, the cumulative contribution period of 15 years: the average individual contribution base of 0.6, the basic pension = (4,000 yuan + 4,000 yuan × 0.6) ÷ 2 × 15 × 1% = 480 yuan average individual contribution base of 1.0, the basic pension = (4,000 yuan + 4,000 yuan × 1.0) ÷ 2 × 15 × 1% = 600 yuan average individual contribution base of 3.0, the basic pension = (4,000 yuan + 4,000 yuan × 1.0) ÷ 2 × 15 × 1% = 600 yuan average individual contributions to the base of 1.0, the base pension = (4,000 yuan + 4,000 yuan × 1.0) ÷ 2 × 1 × 1% = 600 yuan when the average individual contribution base is 3.0, the basic pension = (4000 yuan + 4000 yuan × 3.0) ÷ 2 × 15 × 1% = 1200 yuan

Paying 15 years of social security how much money you can receive in retirement formula: pension = basic pension + personal account pension

Basic pension = (the province's last year the average monthly salary of on-the-job workers + I) Indexed average monthly contribution salary)÷2× years of contribution×1%

Individual indexed average monthly contribution salary=province's average monthly salary of the previous year's on-the-job workers×individual's average contribution index

Personal account pension=individual account savings÷months of payment

In the above formula, it can be seen that, in the case of the same number of years of contribution, the level of the basic pension depends on the individual's average contribution index, which is the average value of the ratio of one's actual contribution base to the average social wage over the years.

According to the regulations, the "average index of one's contribution salary" is different for each unit, generally between 0.6 and 3, i.e., 60% to 300% of the average salary of the employees on the job in the year of calculation as the base for contribution, mainly considering the difference in income level, the index of contribution is higher if the income is high, but not more than 3.

The average index of one's contribution is the average of the average salary of the employees on the job in the year of calculation, mainly taking into account the difference in income level.

So, in both calculations of the pension, no matter what the case, the higher the contribution base, the longer the number of years of contributions, the higher the pension will be.

The receipt of old-age pension is stipulated indefinitely, as long as the recipient survives, he or she can enjoy the treatment of receiving old-age pension on a monthly basis, and even if the personal account pension has been used up, it will still continue to be paid according to the original standard, moreover, the personal old-age pension has to be increased year by year in accordance with the increase of the average monthly salary of the social workers on the job.

Where to get your pension

Four different types of pension insurance (with 15 years of accumulated payment):

(1) If your pension insurance is in the place of your household registration, you can get it locally.

(2)If you are not in the place of domicile, you will receive it in the area where you have paid contributions for a total of 10 years.

(3)If you are not in the place of domicile and have paid contributions for less than 10 years, you will receive it in the place where you have paid contributions for the last full year.

(4) If you are not in the place of domicile and have accumulated less than 10 years of contributions in more than one place, you will receive the benefits in accordance with the regulations in the place of pooled domicile.

Social insurance is the state to develop measures to protect people's livelihood, many people feel that the monthly still have to deduct part of the salary to pay the insurance is not worth it, in fact, it is not so. Not to mention, the amount of money paid each month is not much, and the standard of pension payment is also rising year by year, for the ordinary people, it is also a kind of "no loss deal".

Legal basis:

Social Insurance Law

Article 10: Employees should participate in the basic pension insurance, the employer and the employee **** the same basic pension insurance premiums.

Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employing units, and other flexibly employed persons may participate in basic pension insurance and pay basic pension insurance premiums by themselves.

The methods of pension insurance for civil servants and staff members administered under the civil service law shall be prescribed by the State Council.

Article 11: Basic pension insurance is a combination of social coordination and individual accounts.

The basic pension insurance fund consists of contributions from employers and individuals and government subsidies.

Article 12 The employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of the employees of the employer as stipulated by the state, which shall be credited to the basic pension insurance co-ordination fund.

Employees shall pay the basic pension insurance premiums in accordance with the proportion of their own wages prescribed by the State and credited to their individual accounts.

Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employers, and other flexibly employed persons who participate in basic pension insurance shall pay basic pension insurance premiums in accordance with the state regulations, which shall be credited to the basic pension insurance general fund and the individual account respectively.

Article 15: The basic pension consists of a coordinated pension and an individual account pension.

The basic pension is determined on the basis of the cumulative number of years of contributions made by an individual, the salary paid, the average salary of local workers, the amount in the individual account, and the average life expectancy of the urban population.

Article 16 Individuals who have participated in basic old-age insurance and who have accumulated fifteen years of contributions by the time they reach the legal retirement age shall receive a basic pension on a monthly basis.

Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years when they reach the legal retirement age can contribute until they reach fifteen years and receive a basic pension on a monthly basis; they can also be transferred to the new type of rural social old-age insurance or urban residents' social old-age insurance, and enjoy the corresponding old-age insurance treatment in accordance with the provisions of the State Council.