Calculation method of social security pension with cardinality of 2200

= Average monthly salary of local employees in the previous year ×( 1+ my average wage index) ÷2× payment period × 1%

(Note: my average contribution wage index = (I 1 annual contribution wage/average wage of employees in the previous year+) ...+my n-year contribution wage /n- 1 average wage of employees) ÷ Actual payment period)

As you can see, the red part of the basic pension formula is something we can fight for ourselves, such as

1) local. This place means that in the place where you retire, although we can't decide the average salary of the employees in the last year, we can decide where to retire! ! ! Take 202 1 as an example. If you retire in Shenzhen, the average salary is 12964 yuan, but if you retire in Chengdu, Sichuan, the average salary is 7655 yuan.

2) My average contribution wage index. According to the formula, it is your payment base and the average salary of employees in the previous year. There are two factors: factor 1, whether the company actually pays-many local companies pay you wages according to normal standards, but pay you social security according to the minimum wage. For example, in Shenzhen, your actual salary may be 20,000 yuan a month, but when paying social security, many companies calculate it for you according to the minimum wage of 2,200 yuan, so you will lose a lot because of 2,200/6,544. Factor 2, your own salary-for example, even if the company pays you according to your salary, if your salary is 20000, it is 1.55, if your salary is only 8000, your salary index is only 0.62.

3) Payment term. As we all know, if you want to receive a pension, the minimum payment period is 15 years, but if you pay for 40 years, it will be 1 multiple.

Let's take Shenzhen as an example to make a calculation and use three examples to calculate:

Case 1- The monthly salary is 8000 yuan, and the payment base is 2200 yuan. If you work at the age of 25 and retire at the age of 55, the basic pension is =12964 * (1+2200/12964)/2 * 30 * 65438.

Case 2-The monthly salary is 8,000 yuan, and the payment base is 8,000 yuan. If you work at the age of 25 and retire at the age of 55, the basic pension =12964 * (1+8000/12964)/2 * 30 *1%=

Case 3-The monthly salary is 20,000, and the payment base is 20,000. If you work at the age of 25 and retire at the age of 55, the basic pension is =12964 * (1+20000/12964)/2 * 30 *1.

Now everyone knows how big the gap is. If you pay 2200 yuan, you will need pension money in the future, which is 2664 yuan less than others paying 20 thousand yuan! ! ! !

If you retire in Chengdu, the same monthly salary is 20,000, and the payment base is 20,000. If you work at the age of 25 and retire at the age of 55, the basic pension = 7655 * (1+20000/7655)/2 * 30 *1%= 465438.

Almost less every month, 800 yuan. So it's good to retire where the salary level is high.

2. Personal account pension

Personal account pension = personal account accumulation at retirement (including interest) ÷ the number of months corresponding to my retirement age.

It can be seen that personal account pension is related to two factors. The first is how much money you have in your personal account, and the second retirement age corresponds to the number of months. The following figure shows the corresponding number of months.

But we retire normally, either at the age of 50 or at the age of 55, which may be extended later and discussed temporarily.

How many months does retirement at the age of 50, 55 and 60 correspond to? The calculated months of retirement at 50 years old are 195 months, 55 years old is 170 months, and 60 years old is 139 months.

Note-As can be seen from here, how much you can receive personally has nothing to do with how much the company pays, but only with how much your personal account pays! ! ! ! !

Let's give an example. For example, if you retire at the age of 55, there is a difference between 6,543,800 yuan and 300,000 yuan in your account:

Case 1—— Personal account has 654.38+10,000 yuan. When you retire at the age of 55, you will receive 170 months, and the amount you receive each month is = 100000/ 170=588 yuan;

Case 2-Personal account has 300,000 yuan, and he retires at the age of 55, counting 170 months, and the monthly payment is = 300,000 yuan/170 = 1764 yuan;

As you can see, people who have paid a total of 300,000 yuan in their personal accounts receive a monthly pension of1100 yuan more than those who have paid a total of100! ! ! One year is 1.4 million yuan, and 15 years is 2 1.0 million yuan.