Experts help me calculate the monthly payment base of Chengdu social security is 3 160 yuan, and the payment period is 29 years. How much can social security pay get after retirement?

According to the latest pension calculation method, employee retirement pension consists of two parts: pension = basic pension+personal account pension.

Personal account pension = personal account storage amount ÷ months (the number of months is determined according to the retirement age and the average life expectancy of the population at that time. Calculated months are slightly equal to (average life expectancy-retirement age) X 12. At present, 50 years old is 195, 55 years old is 170, and 60 years old is 139.

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

= Average monthly salary of employees in the whole province in last year (1+ average payment index) ÷2× payment period × 1%.

In which: my indexed monthly average payment salary = last year's average monthly salary of employees in the whole province × my average payment index.

As can be seen from the above formula, under the same payment period, the level of basic pension depends on the average payment index of an individual, that is, the historical average of the ratio of his actual payment base to the average social wage. The lower limit is 0.6 and the upper limit is 3.

Therefore, in the two kinds of calculation of pension, no matter what the situation, the higher the payment base and the longer the payment period, the higher the pension.

Pensions are fixed indefinitely. As long as the recipient is alive, he can enjoy a monthly pension. Even if the personal account pension has been used up, he will continue to pay the basic pension according to the original standard. Moreover, personal pension will increase year by year with the increase of the average monthly salary of employees in society. Therefore, the longer you live, the more you can get, which is definitely more cost-effective than paying.

For example:

According to the above formula, suppose that when a male employee retires at the age of 60, the average monthly salary of employees in the province last year was 4,000 yuan.

When the cumulative payment period is 15 years,

When the average individual payment base is 0.6, the basic pension = (4,000 yuan+4,000 yuan× 0.6) ÷ 2×15×1%= 480 yuan.

When the individual average payment base is 1.0, the basic pension = (4,000 yuan+4,000 yuan×1.0) ÷ 2×15×1%= 600 yuan.

When the average individual payment base is 3.0, the basic pension = (4,000 yuan+4,000 yuan× 3.0) ÷ 2×15×1%=1.200 yuan.

If the cumulative payment period is over 40 years,

When the average individual payment base is 0.6, the basic pension = (4,000 yuan+4,000 yuan× 0.6) ÷ 2× 40×1%=1280 yuan.

When the individual average payment base is 1.0, the basic pension is = (4,000 yuan+4,000 yuan×1.0) ÷ 2× 40×1%=1600 yuan.

When the average individual payment base is 3.0, the basic pension = (4,000 yuan+4,000 yuan× 3.0) ÷ 2× 40×1%= 3,200 yuan.

Personal pension = basic pension+personal account pension = basic pension+personal account storage139

The average payment index means that you paid according to the base of last year's 1000, and the average social wage in that year was 2000, so your index in that year was 0.5. The average annual pension is easy to calculate, so just calculate the pension yourself.

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