The calculator of how much money you get each month after social security payment is 15.

pension

How much is the calculator per month after the endowment insurance is paid 15?

2022-0

The calculator of how much money you get each month after social security payment is 15.

pension

How much is the calculator per month after the endowment insurance is paid 15?

2022-05-30 13:43:38 Social Security Network

How much is it every month after the old-age insurance is paid 15?

The employee social security mentioned here mainly refers to the payment of basic old-age insurance for employees. According to the provisions of the Social Security Law, the pension insurance payment reaches 15 years, reaches the legal retirement age, and receives the basic pension on a monthly basis, so you can retire. Payment 15 years is only a basic threshold for retirement. Because it is the lowest threshold, the pension of 15 years is relatively low.

Pensions are calculated according to the comprehensive factors such as payment base, payment period, individual account fund balance and average monthly salary of employees in the previous year. In principle, the higher the payment base, the longer the payment period, the higher the personal account balance, the higher the average monthly salary of employees in the previous year when they retire, and the higher the pension when they retire. In order to help you understand this problem more intuitively, let's give three examples to simulate the calculation process of pension and see how much pension you can get according to different standards.

For example, we calculate according to the average payment base of 6000 yuan, which is also in line with the actual situation in most places at present. If the average payment base can reach 6000 yuan, it will be very good. When retiring, the average monthly salary of employees in the previous year is 8000 yuan, and the retirement age is 60 years old, and the contributions are 60%, 65%, 438+000% and 300% respectively.

According to the average payment of 60%, the monthly average payment base is 3,600 yuan, and the funds credited to personal accounts are 288 yuan per month and 3,456 yuan per year. The balance of personal account 15 years after payment is 5 1.840 yuan, and the corresponding fund interest is expected to be around 600 million yuan.

If the payment is made according to 100%, the average payment base is 6,000 yuan, and the funds credited to personal account are 5,760 yuan per month and 86,400 yuan when the payment is made in 15 years. Plus the corresponding interest, the funds credited to the personal account are about 90,000 yuan.

If the payment is made at 300%, the average payment base is 18000 yuan, the monthly balance of funds credited to personal account is 1440 yuan, the funds credited to personal account every year are 17280 yuan, and the funds credited to personal account in 15 years are 259200 yuan, and the total personal account is 3 million yuan.

When retiring, the average monthly salary of employees in the previous year was 8,000 yuan per month, and the average indexed payment salary was 4,800 yuan. According to 100% payment, the average indexed payment salary is 8000 yuan; According to 300% payment, the average indexed salary is 24,000 yuan.

The basic pension is based on the average monthly salary of employees in the previous year before retirement and the average indexed payment salary, and is paid to 1% every year of payment. According to the payment of 60%, the basic pension for each year of payment is 64 yuan, and the basic pension for1May is 960 yuan; According to 100% payment, the basic pension for each year of payment is 80 yuan, and the monthly basic pension for 15 is 1200 yuan; According to 300% payment, the basic pension is 160 yuan for each year of payment, and the basic pension is 2,400 yuan for1May.

Personal account pension is calculated and paid at 60%, and the monthly personal account pension is 43 1.65 yuan; According to 100% payment, the monthly personal account pension is 647.48 yuan; According to 300% payment, the monthly personal account pension is 2 158.27 yuan.

Based on the above calculation results, the monthly basic pension is 139 1.65 yuan at the rate of 60%. Pay according to 100%, and the monthly basic pension is 1847.48 yuan; According to 300% payment, the monthly basic pension is 4558.27 yuan.

To sum up, according to the calculation results of the above example, employee social security has also been paid for 15 years. If you retire at the age of 60 in the same place, the average payment is 60%, 65%, 438+000% and 300%, and the difference in receiving a pension every month is still quite large. Although it is only an example, it still shows the process of pension insurance payment and pension calculation and payment relatively completely.