Individual Participation Pension Calculator

The social pension insurance benefits for urban and rural residents consist of a basic pension and a personal account pension, paid for life.

Monthly pension = basic pension + total amount of individual account ÷ 139.

Basic pension = standard 55 yuan (to be adjusted in the future in accordance with the national policy) + an increase of 1 yuan for each additional year of basic pension after 15 years of contributions;

Total amount of individual account = individual contributions + government subsidies + collective subsidies + social and personal support + interest generated from the above amounts;

The total amount of individual account = individual contributions + government subsidies + collective subsidies + social and personal support + interest generated from the above amounts;

The basic pension is calculated by a calculation factor of 139. /p>

Calculation coefficient = 139 (the same as the coefficient for urban workers' pension insurance).

If you are 46 years old this year, and you contribute at the rate of 100 yuan per year for 15 consecutive years, and your personal *** counts as 1500 yuan, the monthly pension standard when you reach the age of 60 = [55 yuan + 0 (1 yuan for each additional year of contribution after 15 years of the basic pension increase of 1 yuan)] + {[(100 + 30) × 15 years + 0 (collective subsidies, social and personal support, etc.)] + Interest (this measurement is the rolled-up interest calculated at the bank's latest interest rate of 3% without variation)}÷139=$72.39. The total annual pension is 868.68 RMB, and you can recover all your personal contributions in less than 2 years. Based on the average life expectancy of 75 years old per capita, you can receive a pension of 13,030.20 RMB in 15 years (personal gain of 11,530.20 RMB). If you contribute at the rate of 2,000 yuan per year for 15 consecutive years, the individual **** total contribution of 30,000 yuan, the monthly pension rate of 326.62 yuan, the total annual pension of 3,919.44 yuan, more than 7 years to recover all the individual contributions, according to the per capita life expectancy of 75 years old, 15 years to receive a pension of 58,791.60 yuan (personal gain of 28,791.60 yuan).

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