Chongqing endowment insurance collection calculator

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Average annual payment base since the issuance of pension/average annual social wage since the issuance of pension = average payment index.

Index >; =0.6，& lt=3。 This means that the minimum monthly payment base is 60% of the average monthly salary and the maximum is not more than 300%.

Take fifteen years of payment as an example:

Suppose that the total monthly payment of 200 1 is 18000 yuan, that of 2002 is 2 1000 yuan, and that of 20 16 is 35000 yuan. Divide the sum of the annual fees for these fifteen years by 15 to get the average annual payment.

Divide the sum of annual social wages by 15 to get the average annual social wage;

Divide the annual average contribution by the annual average social wage to get the average pension contribution index.

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These days, I am also studying the retirement pension in Chongqing, and I have come to the following conclusions:

Retirement of urban workers in Chongqing:

Last year's monthly social wage was 4738 yuan. Suppose you retire this year, and you only pay 15 years when you retire, and the index is 0.7. Then, after retirement, according to the current pension policy and Chongqing's various subsidy policies on pensions, you can get about10.5 million per month.

The calculation formula is as follows:

Basic pension = basic pension+personal account pension+transitional pension

= Average monthly salary of employees in the city in the previous year before retirement × 20% (15 if the payment period is insufficient)+personal account principal and interest and indexed monthly average payment salary × payment period × 1.4%.

If the payment period is more than 30 years, then the principal and interest of the personal account is about 200,000. At this time, regardless of the index, you can get about 3500 a month when you retire. (estimated at current prices)

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According to this formula, if a person retires at the age of 65, he needs at least three years' pension after retirement to be worthy of his own capital.