How much is the retirement salary at 50? How much is the social security payment appropriate?

Think about it and continue to help fans estimate their pensions. Let's take a look at this fan's personal pension insurance payment-

Beijing female employee, 1970 was born, 1990 worked, 1993 paid social security. At present, the total principal and interest of individual accounts of endowment insurance is 79,740 yuan. How much pension can she get when she retires at 50 in 2020?

Retire in 2020, then the actual payment period of endowment insurance is 27 years, which is regarded as 3 years. By 2020, the total principal and interest of individual accounts of endowment insurance is expected to reach about 88,000 yuan.

In addition, to calculate the old-age pension, we need to know the local average social wage in the previous year when we retire and the average social wage in 20 19 years when we retire in 2020. This data is not known yet, but the average monthly wage in Beijing in 20 17 years is 8467 yuan, and it can be predicted that the average wage in 20 19 years will reach about 9500 yuan.

Knowing the above conditions, we can calculate the pension. This fan belongs to the "middleman" who took part in the work before the establishment of the current endowment insurance system. Pension benefits include three parts, namely basic pension, personal account pension and transitional pension.

Basic pension = (average monthly salary of employees in the previous year+average monthly payment salary of myself at the time of retirement) ÷2× payment period × 1%.

Substituting various endowment insurance conditions into the formula, we can get the basic pension =(9500 yuan+9500× 60%) ÷ 2× (27+3 )×1%= 2280 yuan.

Let's look at personal account pension = personal account savings ÷ months. According to the monthly table of individual pension account, the monthly plan for retirement at the age of 50 is 195 months.

Then personal account pension = 88,000 yuan195 months =45 1 yuan.

Finally, the transitional pension is 9500× 60 %× 3×1%=171yuan.

Under the above conditions, the amount of pension money that can finally be obtained is about 2280 yuan +45 1 yuan+17 1 yuan =2902 yuan.

At present, the average pension of enterprise retirees in Beijing is close to 4,000 yuan, and the pension of this 30-year-old Fan is about 3,000 yuan, which is not as good as the average pension level. First, because his contribution level is not high, and second, he has to retire at the age of 50, and his personal account pension will be less.