How much can Changsha old-age insurance receive every month after retirement?

The minimum payment base of social security endowment insurance in Changsha is 3865.68, the average monthly salary of urban workers in Changsha in the past few years is 7 13 1, and the average monthly payment index of individuals is 100% as reference data, which respectively simulates the pensions received by Changsha endowment insurance in 15 and 30 years. As the social pension may increase by 100 200 yuan/year every year, and the average monthly salary in Changsha is different every year, the following Changsha pension simulation calculation formula is for reference only and does not represent the final amount.

A, Changsha social security pension insurance payment 15 pension calculation formula:

The formula for Changsha citizens to receive pension after retirement:

Monthly payment of Changsha pension = Changsha basic pension+Changsha personal account pension.

1, Changsha social security basic pension = (average monthly salary of employees in Changsha last year+average monthly salary of individuals in Changsha) /2X payment period X 1%.

Average monthly salary in Changsha in 2022: 7 13 1.

Individual indexed monthly average wage in Changsha: Because the monthly average wage index is uncertain, the median is 100%.

The average monthly salary of social security individuals in Changsha is 7131x100% = 7131.

Changsha basic pension = (7131+7131)/2x15x1%=1069.65.

Changsha 2022 basic pension (15) = 1069. 65/ month.

Remarks: 1: Changsha social security basic pension comes from Changsha pension pooling fund and is extracted from 20% pension insurance paid by Changsha enterprises for employees, although

Citizens who are not directly included in the individual accounts of Changsha citizens, but will retire in Changsha when paying Changsha pension.

2, Changsha personal account pension (15) = Changsha personal account storage/personal account pension months.

Storage amount of Changsha personal account = user's individual payment base x pension insurance payment ratio x pension insurance payment period

Changsha individual payment base: 3865. 68; Changsha social security endowment insurance payment ratio: 8%; Pension insurance payment period: 15 years;

The deposit amount in Changsha social security pension insurance personal account = 3865.68x8% x (15x65438+February) =55665. 79.

Number of retirement months of Changsha social security pension at the age of 50:195; Retirement months of Changsha social security pension at the age of 60: 139

Monthly pension payment in individual account of social security and old-age insurance in Changsha: individual account storage in Changsha/number of pension payment months.

Personal account pension for Changsha women who retire at the age of 50 =55665.79/ 195=285. 47/ month.

Personal account pension for 60-year-old male retirees in Changsha =55665.79/ 139=400. 47/ month.

Remarks: 1: The inquiry method of individual account deposits in Changsha can also be found on the social insurance online service platform in Changsha.

Note 2: The individual payment base in Changsha is calculated according to the actual payment base. The personal payment base in Changsha in this article is for reference only.

3. Changsha endowment insurance exchange 15. The total monthly pension is: Changsha basic pension+Changsha personal account pension.

Women in Changsha are expected to receive a monthly pension when they retire at the age of 50:1069.65+285.47 =1355.12/month.

Changsha men who retire at the age of 60 are expected to receive a monthly pension:1069.65+400.47 =1470.12/month.

Remarks: Men over 60 years old and women over 50 years old can apply for retirement with continuous service 10 years.

Remarks: If calculated according to the minimum payment base of Changsha endowment insurance, you can inquire about the minimum payment base of PICC Changsha social security calculator, the proportion of individual enterprises and the paid-in amount.

The basic pension consists of overall pension and individual account pension. The basic pension is paid according to individual accumulation.

Payment period, payment salary, average salary of local workers, personal account amount, average life expectancy of urban population.

Life and other factors to determine.

Legal basis:

According to Article 15 of the Social Insurance Law, the basic pension consists of overall pension and individual account pension.

The basic pension is based on individual cumulative payment years, payment wages, average wages of local employees and personal accounts.

Quantity, the average life expectancy of urban population and other factors.