I am 30 years old, from Taiyuan, and I haven't paid social security yet. I want to start paying wages this year, and my income is not much. Is it worth paying now? Is it necessary to pay 45?

See if you are prepared to pay you according to the standard of more money. Anyway, I personally don't think it's worthwhile.

The retirement pension of employees is divided into two parts: one is the basic pension, and the monthly standard is 20% of the average monthly salary of employees in the previous year; Second, personal account pension, the standard is to pay the accumulated amount of personal account1120 every month.

In addition, the state will also compensate the "middle population" through the way of excess pension, but the new policy is not clear about the formulation and payment standards of excess pension.

The calculation formula of pension: "middle person" basic pension = basic pension+personal account pension+transitional pension. The specific algorithm is the average monthly salary of employees in the whole city × 20% one year before retirement (15 for those whose payment period is less than 15)+ personal account principal and interest and ÷ 120.

For example, Beijing resident Mr. Wang is a "middleman". His average monthly salary is 3000 yuan, and the payment period of old-age insurance is 10 year. Suppose 10 years later, the average monthly salary in Beijing is 3000 yuan, so how much pension can he get after retirement?

After the scale of personal pension account is adjusted to 8% from 1 1% of my contribution salary, the monthly pension that Mr. Wang Can receives after retirement is = 3,000 yuan ×15%+3,000 yuan× 8 %×12×10.

Among them, (3,000 yuan × 15%) is the basic pension; (3,000 yuan× 8 %×12×10 ÷120) is a personal account pension.

The scale of personal account is adjusted from my contribution salary 1 1% to 8%.

You can calculate it yourself, combined with the local average monthly salary.