How much is the pension insurance to pay 2000 yuan a month for retirement?

According to national regulations, among the individual social security contributions, the pension accounts for 8% and the rest accounts for 3%. That is to say, of the 2,000 yuan social security paid by individuals, 2,000 * 8/(8+3) =1454.5 yuan belongs to endowment insurance. Then the total pension received is 1454.5 yuan, and the calculation method of pension involves factors such as payment period, payment grade and local average salary, which is very complicated.

There are two different ways to calculate the pension:

1, the old calculation method stipulates that the calculation method of basic old-age insurance for retirees who have paid 15 years or more consists of basic pension+personal account balance/120, and unobstructed basic pension = the average monthly salary of employees in this city last year *20%.

2. If calculated according to the new calculation method, the insured person can receive an extra pension every year, and there is no upper limit. This calculation method has a series of incentive and restraint mechanisms of "more work and more pay, more work and more pension". The new calculation method is: (provincial base+my indexed monthly average payment salary) /2 payment years (including deemed payment years, the same below) *

Pension contribution ratio

1, enterprise contribution = 20% of the approved total wages of enterprise employees; Individual contributions of employees = approved payment base ×8% (currently 8%);

2, individual workers (including individual industrial and commercial households and freelancers) payment = approved payment base x18%. For example, in April 2003, Hebei Province announced that the social wage in 2002 was 747 yuan per month, so the payment base can be selected between 747-224 1 yuan. The minimum annual payment is 747×18 %×12 =1613.5 yuan, and the maximum is 2241×18 %×12.

3, the proportion of payment is divided into two categories: enterprise insurance and individual worker insurance:

(1) All kinds of enterprises pay 20% of the total wages of employees, and employees pay 7% of the individual contribution base (it was 7% in 2003, increased by one percentage point two years later, and finally reached 8%). The part paid by individual employees shall be withheld and remitted by the enterprise.

(2) Individual workers, including individual industrial and commercial households and freelancers, shall pay 18%, all of which shall be borne by themselves.

How to calculate the pension base

Pension base is the payment base of old-age insurance and the base for calculating the proportion of old-age insurance premiums that should be paid now. This base is mainly related to my salary base, and has nothing to do with the future pension amount and the average social wage. But if your actual income is higher or lower than the average social wage, this base needs to be adjusted.

Pension payment base = average annual salary of employees in the previous year.

Monthly pension payment base = average annual salary of employees in the previous year/12.

5. How many years should I pay my pension?

The minimum payment period for enjoying the monthly pension is 15 years. If the payment period is less than 15 years and you don't want to pay, you can apply for a one-time pension withdrawal. The incentive and restraint mechanism of cumulative 15 years is: "more work, more gain."

Legal basis:

People's Republic of China (PRC) social insurance law

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.

The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Fifteenth basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.