I paid 80 thousand yuan in social security. How much pension can I get every month?

Flexible employees pay a total of 80 thousand yuan, and the balance of personal accounts is only 30 thousand yuan. How much pension can I get? Flexible employees pay a total of 80,000 yuan. If the payment period is 15 years, the average annual payment standard is 5333.33 yuan, the average monthly payment is 444.44 yuan, and the average deposit base is 2222.22 yuan. The average deposit base is still relatively low. If the payment period is only 15 years, the retirement pension in most areas is about 1000 yuan.

However, the data you provided may not be completely accurate. According to the cumulative payment of 80,000 yuan and the payment period 15 years, the proportion of flexible employees paying endowment insurance is 8%, of which 12% is credited to the overall account and 8% is credited to the personal account. If calculated according to the average deposit base of 2222.22 yuan, the funds credited to personal accounts should be around 32,000 yuan. If the annual interest rate of funds is added, the total amount of personal accounts should at least exceed 40 thousand yuan.

As for the amount of monthly pension, apart from personal account balance, payment period and other factors, there are differences in pensions in different years and places, whether it is retirement at 55 or retirement at 60. For example, if you retire in Guangxi in 2022, the pension amount in Guangxi is 6442 yuan.

The payment index is 60%, and the basic pension is 6442 yuan plus 6442 yuan multiplied by 0.6% divided by 2. The average of them is 5 153.6 yuan, the basic pension is 5 1.54 yuan per year, and the monthly basic pension of 15 is 773. 1 yuan. Personal account pension personal account is calculated according to 30,000 yuan. If you retire at the age of 60, the number of months is 139 months, and the monthly personal account pension is 2 15.83 yuan. If you retire at the age of 55, the total number of months is 170 months, and the monthly personal account pension is 176.47 yuan.

According to this figure, the monthly pension for 60-year-old retirees is 773. 1 yuan, and the personal account pension is 2 15.83 yuan, making a total monthly pension of 988.93 yuan. The monthly basic pension for 55-year-old retirees is 773. 1 yuan, the personal account pension is 176.47 yuan, and the total monthly pension is 949.57 yuan.

If the personal account pension is calculated according to the total personal account of 40,000 yuan, the basic pension may remain unchanged, which is 773,438+0 yuan, but the personal account pension will increase. If you retire at the age of 60, the personal account pension is 40,000 yuan, excluding 139, the monthly personal account pension is 287.77 yuan, and the total monthly pension is 1060.87 yuan; If you retire at the age of 55, the personal account pension is 40,000 yuan, excluding 170, the monthly personal account pension is 235.29 yuan, and the total monthly pension is 1008.39 yuan.

According to my personal account, whether a man retires at 60 or a woman retires at 55, the pension can exceed 1000 yuan. Then if the personal account is only 300 million, the pension is within 1000 yuan.

If you retire in Tianjin, it will be different. The pension amount in Tianjin in 2022 is 8324 yuan, which is higher than that in Guangxi 1882 yuan. If you retire in Tianjin, the basic pension is 66.59 yuan per year of payment, which is 15.05 yuan higher than that in Guangxi, and 15 years is 998.85 yuan, which is 225.75 yuan higher than that in Guangxi every month. Personal account pension has not changed.

Generally speaking, the total payment of flexible employees is 80,000 yuan, the personal account is 30,000 yuan, and the payment period is 15 years. Retirement is different in different places and at different ages. If you retire in Guangxi, your pension will be around 1000 yuan. If you retire in Tianjin today, your pension will be around 1.200 yuan. If you retire in Tianjin and Guangxi under the same conditions, the monthly difference of basic pension will exceed that of 200 yuan.