How to calculate the latest social security trends?

First of all, the specific formula for receiving a pension is:

1, (average monthly salary of employees in last year in the whole province when retiring+average monthly salary of employees in last year in the whole province when retiring * average payment wage index) /2* individual payment period * 1%.

2. Personal account principal and interest/calculation months (the calculation months are determined according to the retirement age, and the 60-year-old retiree is 139).

The sum of the two items is your retirement salary.

Second, the interest rate of accumulated personal account pension is calculated according to the bank interest rate.

Third, the 20% endowment insurance premium paid by the unit is not included in your personal account, but included in the social pooling account, and only those paid by individuals are included in your personal account.

In fact, it is meaningless and impossible to calculate retirement wages after 30 years. After 30 years, the social salary will be tens of thousands, and your retirement salary will be tens of thousands.

Here are a few questions: 1, your salary is 4000 yuan, is the social security payment based on 4000 yuan? 2. Your current contribution base is "2" (if the social wage in your province is 2000,4000/2000 = 2), will your social wage increase year by year in the future, and will your contribution wage also increase proportionally? Because payment wages are linked to retirement wages.

The policy formulated by the state is to control a certain proportion of retirement wages and social wages. At present, the national per capita retirement wage is about 50% of the social wage, and the wages of a few retirees with long payment years and high payment wages are around the social wage.

Your retirement salary after 30 years should be 70%-90% of the average social salary of that year. This should be counted! It is meaningless to calculate the specific amount, because even if you know the specific amount, you don't know the price level at that time, and you don't know your living standard.

You can know your living standard by knowing the approximate proportion of your retirement salary to the average social salary of that year.

Supplement: You assume that after 40 years, the average social wage will be 3,000 yuan a month. Your retirement salary will be around 2300-2600.

Your friend is fooling you. Commercial insurance is fixed. If you guarantee 1000 per month when you retire, you should be satisfied. But how many things can you buy in 30 years?

What was the social wage 30 years ago? Dozens of dollars, now it has increased by 560 times, even if it has increased by 10 times in 30 years, it will cost 23 thousand! The calculation of social security retirement salary is dynamic, and it should be more than 20 thousand based on the social salary of the previous year when retiring. 1000 yuan of commercial insurance can play much role at that time? Moreover, after retirement, the pension will increase with the increase of the price level and social wages.

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