How much can flexible employment and social security get in January after retirement?

Pension includes two parts, one is basic pension, and the other is personal account pension. Whether it is a basic pension or a personal account pension, the state has given a clear calculation formula.

basic pension

The basic pension, also known as social pension, is an important part of the basic pension for retirees. Under the condition of the same payment period, the level of basic pension depends on the average payment index of individuals. According to the new calculation and payment method, the basic pension refers to the average of the sum of the average monthly salary of employees in the previous year and their indexed monthly average payment salary when employees retire, and the payment is paid to 1% every1year. The specific calculation formula is:

Basic pension = the average monthly salary of employees in the whole province in the previous year *( 1+ my average payment index) ÷2× payment period × 1%.

Pay social security at the level of 100%, and my average payment index is 1. If I pay 60%, my average payment index is to consider the wage growth factor, and the average social wage at retirement is higher than that at payment. If the local average social wage is 6000 yuan per month, and the level is 100%, the basic pension is:

6000 * (1+1)/2 *15 *1%= 900 yuan.

In other words, when the flexible employees retire, they can receive the basic pension 900 yuan every month. So how much can a personal account pension receive every month?

Personal account pension

Under normal circumstances, although it is a personal account pension, it has no control over it, but it is paid monthly according to certain standards when retiring. Of course, under special circumstances, personal account pension can be withdrawn at one time. For example, if the insured dies, the foreign insured will return to China before reaching the pension age, join a foreign country and apply for surrender.

Social security paid by flexible employees is not fully included in personal accounts, only 40% of the payment amount, and the other 60% is included in social pooling accounts, which is equivalent to "confiscation".

The payment for 15 years is10,000 yuan per year. 15 years is15,000 yuan, of which 40%, that is, 60,000 yuan, is transferred to individual account and the other 90,000 yuan is transferred to social pooling account. In order to simplify the calculation, factors such as account interest are not considered.

Therefore, when retiring, the personal account pension is only 60,000 yuan. In addition, according to the regulations, when retiring at the age of 60, the monthly pension of personal account is 139 months, that is to say, the 60,000 yuan is distributed evenly within 139 months. The personal account pension amount is:

60,000 yuan/139 months =432 yuan/month.

How much do you get when you retire?

The calculation results show that the pension received at retirement is the sum of basic pension and individual pension.

900+432= 1332 yuan, and you can get 15984 yuan every year. According to this standard, the expenses of 6.5438+0.5 million yuan paid by oneself need to be "returned to the capital" every year. Due to the increase in pensions, the actual "return period" is generally 7-8 years. If you retire at the age of 60, the capital paid before the age of 70 can be earned back, and the pension will be earned in the future.