How old can I get a pension if I pay 90,000 yuan at a time? How much per month?

How old will you be if you pay 90,000 yuan at one time depends on what kind of pension insurance you have.

If you are paying for an urban worker's pension insurance, you can't get all the 90,000 yuan at one time into your personal account. If you're paying for urban and rural residents' pension insurance, then all 90,000 yuan will be credited to your personal account.

The calculation of the two pensions is naturally different.

The following is a detailed analysis.

If a one-time contribution is made to the social security of urban workers

Nowadays, many regions do not allow a one-time contribution, and if the number of years of pension insurance contributions is not enough for 15 years, you can only delay the contributions until the full 15 years.

If there is a regional policy, your region can be a one-time retroactive payment, then the retroactive payment of 90,000 yuan, female workers are 50 years old, male workers are 60 years old retirement.

The 90,000 yuan of retroactive contributions can't all be credited to individual accounts, almost 36,000 are credited to individual accounts, and the other part is allocated to the social coordination.

According to the minimum contribution base to pay, 15 years of contributions, you can receive 12% of the social wage, the social wage is 6000 yuan, almost can receive 720 yuan.

If a one-time supplemental contribution is made to the social security of urban and rural residents

Because of the urban and rural residents' pension insurance can be in the 60 years of age when the contribution period is not enough for 15 years, it is possible to make a one-time supplemental contribution to receive the pension.

Then the individual contribution of 90,000 yuan all counted in the personal account, personal account pension is 90,000/139=648

There is also the basic pension, the basic pension is also based on the economic level of the region to determine, like Shanghai 1100 yuan, followed by Beijing 800 yuan, Shandong is 118 yuan, Qingdao is also higher is 168 yuan.

Regional differences, the basic pension is different, the country's current basic pension is 88 yuan. So a one-time contribution of 90,000, the minimum can receive more than 700 pensions.

Summary

In summary, a one-time contribution of 90,000 yuan, if the payment of urban workers social security, almost 40% of the personal account, can receive more than 700 pension.

If you're paying for urban and rural residents' pension insurance, all of it will go into your personal account, and you'll be able to receive more than 700 pounds of pension.

But the rate of increase of the two pensions is not the same, the urban workers' social security is higher than that of the urban and rural residents' pension insurance. In recent years, the annual rise of 5%, urban and rural residents' pension insurance of the root pension increase is simply 10-20 yuan.