Social security payment has reached 15. How much can I get after retirement?

As we all know, social security is to pay social security at work so that you can get a pension from social security after retirement. So how much can you get from social security after retirement? I have carefully arranged the following contents for your reference, hoping to help you. Please see below for details.

1. How much can I get after paying social security 15 years?

1, the calculation formula of how much social security can be received after retirement after paying 15:

(1) Pension = basic pension+personal account pension; In which: basic pension = (average monthly salary of employees in the whole province last year+average monthly payment salary of myself) ÷2× payment period × 1%.

(2) Monthly basic pension = basic pension+personal account pension+transitional pension;

(3) Transitional pension = the average monthly salary of employees in the whole province last year at the time of retirement × my average salary index × the payment period before 65438+February 3 1 (including deemed payment period) × 1.4%.

2. Calculate according to the case.

For example, let's see how much social security can get after paying 15. 1995+00 and 1 People who work after: pension = basic pension+personal account pension.

Assume that Mr. Chen began to pay endowment insurance in 2007, and the minimum payment period is 15 years. According to the data released by a provincial bureau of statistics, from 2007 to 20 18, the average wages of employees in a city in recent years were 19 14 yuan, 2 14 1 yuan, 2,538 yuan, 2,920 yuan and 33/kloc respectively. Based on this average increase, by 202 1, the average monthly salary of employees in a city is about:1914+(15× 325) = 6789 yuan.

2. What is the calculation formula for receiving social security pension?

According to the regulations, the "self-contribution average wage index" of each unit is different, generally between 0.6 and 3, that is, the payment is calculated from 60% to 300% of the average wage of employees in that year, mainly considering the difference in income level. High income will lead to a high pay index, but it will not exceed 3. In 2022, when Mr. Chen retired, the maximum basic pension he received was (6789+6789× 3) ÷ 2×15×1%= 2037 yuan.

Personal account pension includes the principal paid in the current year, the interest generated by the principal in the current year, and the interest generated by accumulated savings over the years. The principal paid in that year is 8% of the total salary of the individual in the previous year, that is, the part paid by the individual (20% paid by the unit is not included in the personal account).

Third, if you keep paying social security, how to calculate the pension?

1. Case: Suppose Mr. Chen's average annual salary after 2007 is 50,000 yuan, and that person's annual salary is 4,000 yuan, 15 years is 60,000 yuan. Personal account pension = personal account storage amount ÷ calculated months (50 years old 195 months, 55 years old 170 months, 60 years old 139 months, and over 60 years old 120 months) Mr. Chen retired at the age of 60 and received 60,000 yuan. That is, Mr. Chen will retire in 2022 and receive a monthly pension: 2037+462=2499 yuan.

Through the above formula calculation and examples, we can clearly know how much money we can get after retirement. These calculations are extremely important to how much money we can receive in the future, so we must remember them.

Social security is one of the measures formulated by the state to protect people's livelihood. How much can I get from social security after retirement? This is a concern of many workers who are now paying social security. Some people may think that it is not cost-effective to deduct part of their salary every month to pay insurance. In fact, it is not, because the monthly payment is not much, and the standard of pension payment is increasing year by year. For ordinary people, it is also a "no-loss business." Perhaps for delaying retirement, some people will feel that there is not much time to receive social security, but because the pension payment standard is constantly improving, retirement will guarantee life.