52 years old retired social security only 15 years of personal account roughly 90,000 1 month can receive how much pension

About the amount of pension you can receive in a month if you retire at the age of 52 with only 15 years of social security and a personal account of roughly 90,000, it depends mainly on the local pension calculation methods and regulations. Usually, the pension calculation will take into account a number of factors, including the number of years of personal contributions, the amount accumulated in the personal account, the average salary and so on.

I. Basic principles of pension calculation

The calculation of pension usually follows the principle of "pay more, get more, pay more, pay more", i.e., the longer the individual's contributing years and the more the amount of contribution, the higher the pension entitlement will be. However, due to different policies and calculation methods in different places, the actual amount of pension will vary.

Second, the factors affecting the amount of pension

Personal contribution period: Although your social security contribution period is only 15 years, it is an important factor in calculating the pension. Generally speaking, the longer the number of years of contributions, the more pension you will receive.

Accumulated amount in personal account: You have an accumulated amount of 90,000 in your personal account, which is also an important basis for calculating your pension. The more the accumulated amount in your personal account, the higher the pension entitlement you will receive.

Local average salary: The calculation of the pension usually also takes into account the local average salary level. The higher the average wage, the higher the pension is likely to be.

Third, the specific calculation method

The specific pension calculation method varies from region to region, and generally includes two parts: the basic pension and the personal account pension. The basic pension is calculated on the basis of the local average wage and the number of years of individual contributions, while the individual account pension is calculated on the basis of the accumulated amount of the individual account and the number of months of payment.

Without knowing the specific policies and calculation methods in your area, we are unable to give you an exact pension amount. We recommend that you consult with your local social security department or related organizations to get the exact calculation method and amount of your pension.

In summary:

When you retire at the age of 52 with only 15 years of social security and a personal account of about 90,000 yuan, the amount of pension you can receive in a month depends on the local pension calculation method and regulations. The specific amount needs to be calculated based on the number of years of individual contributions, the accumulated amount in the personal account, the local average wage and other factors. It is recommended that you consult your local social security department or related organizations for accurate pension amounts and related information.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 15 stipulates that:

The basic pension consists of a coordinated pension and an individual account pension.

The basic pension is determined on the basis of the individual's accumulated years of contribution, the contribution wage, the average wage of local workers, the amount of the individual account, and the average life expectancy of the urban population.

The Decision of the State Council on Improving the Basic Pension Insurance System for Enterprise Employees

Article 6 stipulates:

Reform the method of calculating basic pensions. In order to connect with the realization of individual accounts, from January 1, 2006 onwards, the size of the individual account was unified from 11% of the individual's contribution salary to 8%, all formed by individual contributions, and the unit's contributions were no longer transferred to the individual account. At the same time, to further improve the incentives and constraints to encourage employees to participate in contributions, adjust the basic pension calculation method accordingly.