How much is the five insurance and one gold calculator?

According to the new regulations on delayed retirement, by 2045, the retirement age of both men and women will be 65. You have paid five insurances and one gold for nearly 40 years. How much can you get when you retire at the age of 65?

(Note: This article will take Beijing's monthly salary of 5,000 yuan as an example, starting at the age of 25, and the total payment period is 40 years. )

I. Endowment insurance

We assume an ideal state to estimate:

Suppose you retire at the age of 65 and earn 5000 yuan a month for 40 years. Last year, the average monthly salary of employees in Beijing was 6463 yuan.

Total monthly payment = basic pension+personal account pension

Basic pension = (last year's average monthly salary of employees in the province+my average monthly payment salary) ÷2× payment period × 1%

Basic pension = (6463+5000) ÷ 2× 40×1%= 2292.6 yuan.

Personal account pension = personal account storage amount ÷ personal account pension calculation and issuance months

Personal account pension =192000÷101=190/yuan.

Finally, our monthly pension = 2292.6+1901= 4193.6 yuan.

Let's take Beijing's monthly salary of 5,000 yuan as an example, starting at the age of 25, and the total payment period is 40 years. Then when we retire, we will pay:

Individual contribution is 8%×5000×40 years×12 =192000 yuan.

The unit pays 20%×5000×40 years×12 = 480000 yuan.

A total of 672,000 yuan was paid.

In order to "return to nature", we should at least:

67200012/4193.6 =13.35 years.

Therefore, the post-80s and post-90s generations strive to live to 79, so as to earn some money from the country. In order to realize this lofty ideal, they decided to be kind to themselves. Well, cook 2 packets of instant noodles tonight, and occasionally come to a local tyrant!

Of course, this data is a hypothetical estimate, not to mention that our wages will gradually increase in these 40 years, and the average salary of employees in the previous year will definitely increase when they retire at the age of 65! Here is a simple way to estimate the basic pension. If your monthly basic salary is the same as the average monthly salary of employees in your province in the first half of the year, then the basic pension you can receive after retirement = the average monthly salary of employees in the previous year ×40%.

Second, medical insurance.

Let's take Beijing's monthly salary of 5,000 yuan as an example, starting at the age of 25, and the total payment period is 40 years.

So when we retire:

The company contributed 5000×10 %× 40×12 = 240000.

Personal contribution (5000×2%+3)×40× 12=49440.

The state will transfer 2% of your own money to your medical insurance account every month. The money can be accumulated and directly used to buy medicine or go to the clinic. 10% paid by the company will get the medical pooling fund.

After 25 years of medical insurance, you can enjoy it for life after retirement. You only need to pay 3 yuan's critical illness insurance every month!

Three. housing accumulation fund

Let's take Beijing's monthly salary of 5,000 yuan as an example, starting at the age of 25, and the total payment period is 40 years:

By the time we retire:

The total contribution is 5000×( 12% individual+12% unit) ×40× 12=576000.

When you retire, all the money in the provident fund account can be taken out, including company contributions and individual contributions. If you haven't used the provident fund, you can raise more than 570 thousand yuan when you retire.

Of course, it is not recommended that you do this. Provident fund loans can enjoy extremely low interest rates when buying a house, and you can also withdraw provident fund when renting a house. The provident fund will only calculate the income in the account according to the current deposit interest rate, even if the depreciation of RMB is not considered, the income is extremely low.

Four, industrial injury insurance, maternity insurance, unemployment insurance

When you retire, these three will be handed over to the state, which is equivalent to failure, whether you have used them or not ... Is the congestion getting worse?

Five, in order not to vomit blood, you must know these five points.

1, many places have paid endowment insurance, but there is no place for more than ten years, so you have to go back to your hukou to get it:

According to the current regulations, the old-age insurance should be refunded where the payment has exceeded 10 years at the longest. If the payment is made in several places, and no place has paid for more than 10 years, it will be returned to the place where the account is located.

This also means that if you pay 9 years 1 1 month based on 5,000 yuan in big cities such as Beijing, Guangzhou and Shenzhen, the old-age insurance will be returned to the place where the average salary in the previous year was only 2,000, which is not more worry-free.

2. If the accumulated endowment insurance deposit is less than 15 years, and it is impossible to receive lifelong endowment insurance, the personal deposit will be returned:

Generally, you have to pay 15 years, and you can enjoy the pension for life when you retire, so people who want to get the pension must start paying before you retire. If you pay less than 15 of the old-age insurance at retirement age, the state will refund all the 8%-9% pension saved in your personal account when you retire. 20% paid by the unit will all be transferred to the national pension fund to contribute to the country, which has nothing to do with you.

3. In order to save money, the company does not pay five insurances and one gold according to the actual salary;

In order to save money, some units do not pay employees five insurances and one gold according to the actual salary, but only pay them according to the minimum deposit base. For example, the actual salary of employees is 5,000 yuan, but 3,000 yuan is privately transferred to personal accounts in various forms such as reimbursement and subsidies, and only 5,000 yuan is paid as the base.

Reminder: When choosing a company, you must ask about the payment base. At present, the state has no exact legal definition and sanction basis for such cases.

4 enterprises do not pay five insurances and one gold on the grounds of household registration and archives:

At present, some companies refuse to provide old-age insurance for their employees on the grounds that their employee files are not in the company or their household registration is not in the local area. These reasons are bullshit. You only need an ID card to get five insurances and one gold, which has nothing to do with your account and file.

Reminder: If you encounter such incidents, you can defend your rights through legal means. At the same time, it is illegal for enterprises to force employees to transfer their file relationship to the company on the grounds of five insurances and one gold.

5, medical insurance must be paid for 25 years to enjoy lifelong medical insurance after retirement:

If you don't pay for 25 years, only the 2% balance paid by those individuals will be paid in the account when you retire, and the 10% paid by the company will be turned over to the state. In addition, if it is interrupted for more than 3 months, the medical insurance will be invalid. When the severance payment is interrupted, you must contact the new company to make up for it.

That is to say:

Post-80s and post-90s who need to retire at the age of 65. If you start working at the age of 25, taking Beijing's income of 5,000 yuan as an example, you have to pay nearly 2 million five insurances and one gold 40 years ago. Finally, when you retire, you can get a pension of about 4,000 yuan per month, with a total of 50,000 (unused) personal contributions for medical insurance and 470,000 (unused) provident fund, which is life-long medical insurance.

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