Shanghai enterprise endowment insurance calculator

Many people participate in old-age insurance, but they don't know how to pay their own old-age insurance and how much to pay. In order to facilitate the insured to calculate the premium, insurance companies keep innovating, and the endowment insurance payment calculator comes into being, which provides convenience for people's endowment insurance. The amount of pension is related to the quality of life after retirement, but this account is not easy to calculate. We might as well use online calculator to solve the calculation problems of social basic pension, enterprise annuity and self-provided savings, and plan retirement life reasonably as soon as possible. Social endowment insurance is an insurance system in which employers and workers jointly pay fees, so that employees can enjoy pension insurance benefits according to law after retirement. Among the five major types of social insurance, endowment insurance is a part that most people are generally concerned about, especially in the proportion of payment. Endowment insurance is divided into the following three types according to the different groups of people who pay: enterprise employees: the proportion of paying endowment insurance premiums is 28% of the total wages of enterprise employees, the highest is not higher than 300% of the average wages of employees in the previous year, and the lowest is not lower than 60% of the average wages of employees in the previous year. Among them, the company pays 20%, the employee pays 8%, and the personal account account number is 1 1%, which is paid by the employee's unit. The renewal insurance premium for flexible employees shall be paid at the rate of 20% of the social wage of this Municipality in the previous year, which is the same as the insurance premium paid by individual industrial and commercial households. Individual industrial and commercial households: the proportion of endowment insurance premium paid is 20% of the average salary of employees in the previous year, all of which are paid by individuals, and the proportion of personal accounts is 1 1%. Payment is made by individuals to local taxes. Insured employees of agricultural reclamation enterprises: the payment base is 60% of the average salary of employees in the city in the previous year, and all the payment is borne by the insured individuals. Considering the income of employees in agricultural reclamation enterprises, in order to reduce the burden on employees, the payment ratio was 12% in 2003, increased by one percentage point every year from 2004 to 2008, and reached 20% in 2009. The bookkeeping ratio of personal account is 1 1%. The old-age insurance calculator has two functions: the old-age insurance calculator and the retirement old-age insurance calculator, which can calculate the basic old-age insurance deposit and the old-age planning suggestions. The deposit amount of basic old-age insurance can be calculated according to your average monthly salary in the previous year, the average monthly salary of employees in your city in the previous year, and the deposit ratio of units and individuals. On the basis of calculating the old-age insurance, the old-age planning proposal is to calculate the basic pension amount you can get every month after retirement according to your current age, planned retirement age and accumulated pension amount in your account, and then make planning suggestions accordingly. The old-age insurance calculator is powerful and easy to use. Although the proportion of individuals and enterprises paying basic pensions is relatively fixed, in actual calculation, the factors of wage increase and the average wage increase of employees in the whole city in the previous year should also be considered, and the farther they retire, the greater the influence of these variables. Especially for those who are not good at compound interest calculation, it is quite difficult to get the amount of social basic pension in the future. Secondly, ignorance of the pension calculation and distribution policy will also cause calculation problems. For example, the pension payment of employees in Shanghai is generally divided into two parts, one is the basic pension and the other is the personal account pension. The former is equal to the average monthly salary of employees in the city in the previous year multiplied by the payment period and then multiplied by 1%, and the latter is equal to the accumulated amount of personal accounts divided by the number of months corresponding to retirement age. Many people don't understand the calculation methods of these two items. In addition, workers who work long hours may also face the problem of transitional pension. All these hinder the calculation of basic pension. So, can you find a quick and convenient way to solve these problems? An online calculator may be worth using. Online pension calculators launched by local websites have set up local basic pension calculation methods, such as the proportion of individual contributions, the proportion of enterprise contributions, the minimum and maximum payment limits, and the calculation methods. Workers can estimate the future pension amount by inputting some basic personal economic information.

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