The payment period is 25 years, and the personal account is 30,000 yuan. How much can I get when I retire in Guangzhou in 2022?

The personal account of more than 30,000 yuan actually contains interest on funds. I can't accurately calculate the specific interest of 30,000 yuan in personal account assets. After all, the bookkeeping interest rate is different every year. If the interest rate of assets is not considered, the monthly deposit base is only 1250 yuan, which can be said to be normal.

Because the salary before 1997 was very low, the general salary at that time was only a few hundred yuan. Although the salary has been very high in recent years, it can reach several thousand yuan. Therefore, the average deposit base of 1250 yuan is normal, and most of them belong to the social endowment insurance paid according to the standard of 60%.

Retirement in 2022, because the pension service payment in 2022 has not been released, so it can only be calculated according to the pension service payment of 202 1 temporarily, and will be released after the pension service payment in 2022 is released in the second half of the year and the difference is made up.

According to the announcement of Guangdong Province, the amount of pension service payment of 202 1 is 8332 yuan per month, which is unified in all areas of Guangdong Province except Shenzhen. According to this calculation, the pension is 8332 yuan plus (8332 yuan times 0.6) divided by 2 times 25 years. The pension for each year of payment is 66.66 yuan, and the pension for 25 years is 1666.5 yuan.

The personal account pension insurance premium is more than 30,000 yuan, except 139, and the monthly personal account pension insurance premium is 2 15.83 yuan.

Gradually from 2002 1 to 1 According to the spirit of Guangdong Province's Notice on Improving the Calculation and Payment Methods of Transitional Pension for Basic Old-age Insurance for Enterprise Employees, 1 the insured who paid social security before June 30, 998 and received the pension for the first time from June1to June1will receive it for the first time.

Monthly standard of transitional pension for the first time = number of pension plans when employees retire ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

Because you have no deemed payment period, there is no question of deemed payment period, but you pay social security on 1997. If people before 1997 1 pay social security, 1998 need to plan and pay the transitional pension, then you have a transitional pension of 1 and 6 months, which is converted into the payment period.

Monthly standard of transitional pension = the number of pensioners when employees retire is 8332× person1the average payment index before June 1998 is 0.6× (regarded as payment period+10.5 years before June 1998 )×1.2%, which is equivalent to 89.99 yuan.

According to the conclusion of that calculation, your monthly pension is 1666.5 yuan, personal account pension insurance is 2 15.83 yuan, and transitional pension is 89.99 yuan. The total monthly pension is 1972.32 yuan, less than 2,000 yuan per month, but this is calculated according to the contribution of 202 1 year.