How to calculate the social security personal account

Generally we calculate the social security personal account, mainly to calculate the pension part, together with the personal account calculation method.

1, 1, the content of the personal account of the pension insurance includes three parts:,

The basic pension insurance premiums paid by the individual + the basic pension insurance premiums paid by the unit credited to the personal account portion of the + the interest calculated according to the social security expected annualized interest rate. Obviously, the new policy will be the unit of the basic pension insurance premiums credited to the individual account part of the removal.

2, 2, the proportion of contributions: this part consists of individual contributions and unit contributions.

(1) Individual contributions according to the employee's own average monthly salary in the previous year (the minimum number of the city's employees in the previous year, 60% of the salary; the highest number of the city's employees in the previous year, 300% of the salary) 8% of the payment.

(2) The unit contribution is 22% of the employee's average monthly salary for the previous year. The original old policy is all personal contributions and unit contributions of 3% of the individual pension account, the unit to pay 19% transferred to the social pool, and the new policy will be 3% of the unit contributions to the social pool to solve the problem of the empty pension account.

3, 3, the formula for calculating the pension:

Basic pension = basic pension + personal account pension + transitional pension = 20% of the average monthly salary of the city's workers in the year before retirement (less than 15 years of contributions according to the 15%) + personal account principal and interest and 120 + indexed average monthly salary of the average contribution by the end of 1997, the number of years of new people's basic pension = 20% of the city's average monthly salary of employees (less than 15 years of contributions according to 15%) + personal account principal and interest and 120 + indexed average monthly salary of the average contribution before the end of 1997 Years of newcomers to the basic pension = basic pension + personal account pension. The basic pension is calculated at 20% of the average monthly salary of the employees in the city in the previous year at the time of retirement, and the personal account pension is calculated by dividing the amount of savings in one's account by 120. (Note: Due to objective reasons, some cities in the country may have different calculation standards.)