The social security balance in Shenzhen is 300,000 yuan, which can be collected after 20 years of retirement.

Pensions include basic pensions, personal account pensions and transitional pensions. The amount of pension is not only related to the accumulated amount of personal account and the number of years of payment, but also related to the average social salary of the previous year when I retired and my contribution index.

The payment period is 20 years, but the personal balance has reached 300,000. According to this payment standard, the payment index must be greater than 1.

Pay 300,000 yuan in 20 years, with an average of 1.2 million yuan per year. Then, the monthly personal payment is 1 0,000 yuan. Generally speaking, individual contributions account for 8% of the total pension contributions, so the total pension contributions are 1.25 million yuan. Compared with the average social wage in Shenzhen over the years, the contribution index can reach at least 65438 yuan.

According to the newly released personal pension calculation and payment method and pension calculation and payment base in 2022, the final total pension can be roughly calculated.

First, the basic pension part = the average social wage of the previous year at the time of retirement x( 1+ individual contribution index) ÷ 2 x payment period x 1%.

Basic pension =10795x2.2÷2x25×1%= 2969 yuan.

Two, personal account pension = total account storage, the number of months to receive.

If you retire at the age of 60, the personal account pension = 300,000139 = 2158 yuan.

If you retire at the age of 50, the personal account pension = 300,000195 =1538 yuan.

3. Transitional pension = average social wage of employees in the previous year at the time of retirement × deemed payment index × deemed payment period × 1.4%.

Transitional pension is10795×1.2×10× 0.014 =1813 yuan.

Therefore, in Shenzhen for 25 years, the total personal payment is 300,000 yuan. If you retire at the age of 60, your pension is 2969+2158+13 = 6940 yuan. If you retire at 50, your pension is 2969+65438+65438+.