After paying 15 years of old-age insurance, how much can I get every month when I reach retirement age?

After paying 15 years, how much can I get every month when I reach retirement age? How to calculate the pension after reform? The relevant person in charge of the Ministry of Labor and Social Security said that the reform of the plan and payment method was designed in the way of "new system for newcomers, old system for the elderly, and gradual transition for Chinese".

About the "newcomer" standard: the insured persons who take part in the work after the implementation of the decision of the State Council on establishing a unified basic old-age insurance system for enterprise employees (1997). Calculation method: the payment period (including deemed payment period, the same below) is accumulated to 15 years, and the basic pension is paid monthly after retirement. The level of basic pension benefits is directly linked to the payment period, payment base level and retirement time. Their basic pension consists of basic pension and personal account pension. The monthly standard of basic pension at retirement is based on the average monthly salary of local employees in the previous year and my indexed monthly salary, and the payment is paid to 1% every1year. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months, which is determined according to the average life expectancy of urban population and its retirement age and interest when employees retire.

Criteria for "middleman": The insured persons who joined the work before the implementation of the Decision of the State Council on Establishing a Unified Basic Old-age Insurance System for Enterprise Employees (1997) and retired after 2006 1 belong to "middleman". Calculation method: Since their personal accounts accumulated very little in the past, if the payment period accumulated to 15 years, they will be given transitional pension on the basis of basic pension and personal account pension after retirement. On the basis of careful calculation, the people of all provinces, autonomous regions and municipalities directly under the Central Government have formulated specific transitional measures. During the transition period, a special transition policy will be implemented. According to the new calculation and payment method, the pension will not be reduced, but will be gradually increased to ensure that their treatment level can be improved.

About the standard of "old people": the insured who retired before June 65438+ 10/2006. Calculation method: The basic pension is still issued according to the original regulations of the state, and the pension insurance benefits are increased with the adjustment of the basic pension.

I don't know your specific situation. Suppose you are new.

Make a hypothetical algorithm to tell you that you pay more and get more. Take personal payment as an example.

Suppose your local monthly payment base was 1000 yuan last year, and your personal payment should be paid to 200 yuan every month, that is, 2,400 yuan per year.

This money was credited to your personal account by 960 yuan.

Suppose you pay these every year (in fact, it is impossible, the base will increase every year) and then suppose you reach retirement age when you pay 20.

Then your personal account is 960 times 20 19200 yuan, and your personal account pension is19200/139 =138 yuan every month.

Last year's base was 1000 per month, and your basic pension was 1000*20%=200 yuan.

Your monthly pension is 200+ 138=338 yuan.

See if this is rare.

In fact, all the above are calculated on the monthly basis of 1000.

At present, the monthly base of ordinary areas is 2000 to 3000, and it will probably reach tens of thousands of yuan in 20 years.

So tell you that the algorithm is a big example, and it is to pay more and take more, and pay more and take more.

I hope I can help you.

How much can I get every month when I reach retirement age? Post-retirement pension consists of basic pension and personal account pension (there are transitional pensions before the reform of the old-age insurance system).

The calculation method is as follows

First, the basic pension = (when the insured retires, the average monthly salary of employees in the whole province in the previous year+the average monthly payment salary of the insured) /2× payment period × 1%. (Note: my indexed monthly average payment salary = the average monthly salary of employees in the whole province last year × my average payment index).

Second, personal account pension = personal account deposit ÷ months (50 years old 195, 55 years old 170, 60 years old 139).

Because, at present, we don't know the average monthly salary of local workers in the province in the last year, your average contribution index, your payment period and how much money you have saved in your personal pension account, so we can't accurately calculate how much pension we can get when we retire.

Endowment insurance is paid at the age of 45, monthly 1500. How much you can pay for retirement at retirement age is calculated according to the payment 15 years and retirement at 60. About 3.7 thousand. But this is not absolute. Pensions increase every year.

How much can I get when I pay 15 old-age insurance to retirement age? It is impossible to calculate the exact amount of pension. But this pension can guarantee a basic life after retirement. The following is the calculation method of social insurance pension for your reference.

How much pension you can receive mainly depends on the length of individual payment period, individual payment base and the average wage of local society.

Pension = basic pension+personal account pension

Personal account pension = personal account storage amount ÷ months (the number of months is determined according to the retirement age and the average life expectancy of the population at that time. Calculated months are slightly equal to (average life expectancy-retirement age) X 12. At present, 50 years old is 195, 55 years old is 170, and 60 years old is 139.

Basic pension = (average monthly salary of employees in the whole province in last year+average monthly payment salary indexed by myself) ÷2× payment period × 1% = average monthly salary of employees in the whole province in last year (1+ average payment index by myself) ÷2× payment period × 1%.

In the calculation formula: my indexed monthly average payment salary = last year's average monthly salary of employees in the province × my average payment index.

As can be seen from the above formula, under the same payment period, the level of basic pension depends on the average payment index of an individual, that is, the historical average of the ratio of his actual payment base to the average social wage. The lower limit is 0.6 and the upper limit is 3. Therefore, in the two kinds of calculation of pension, no matter what the situation, the higher the payment base and the longer the payment period, the higher the pension. Pensions are fixed indefinitely. As long as the recipient is alive, he can enjoy a monthly pension. Even if the personal account pension has been used up, he will continue to pay the basic pension according to the original standard. Moreover, personal pension will increase year by year with the increase of the average monthly salary of employees in society. Therefore, the longer you live, the more you can get, which is definitely more cost-effective than paying.

Legal basis: Article 10 of the Social Insurance Law stipulates that employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.

The basic old-age insurance fund consists of contributions and subsidies from employers and individuals.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Fifteenth basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

After the rural endowment insurance is paid, how much can I get every month when I reach retirement age? According to the current policy, when you retire, you need to look at the accumulated amount of personal accounts and how much the country has raised.

We set up social endowment insurance in Dongguan, Guangdong, and pay a monthly premium of 95.4 yuan. How much pension can I get every month if I pay 15? It is not accurate to calculate the specific amount of pension in a few years.

It should be decided according to the average salary of local employees in the previous year and the total amount of personal accounts at retirement.

Female, I have paid the old-age insurance in the factory 15 years. I will be 50 years old next year and reach retirement age. How much salary can I get after retirement? This should be linked to your payment amount, which is much more. It is also related to your local salary structure and level.

The old-age insurance has been paid for 15 years. How to deal with it when it reaches retirement age? If there is a unit looking for files before, bring your ID card and photos and apply to the social security center for approval. Check the personal account after approval. Just give it to the staff.

Buy 15 old-age insurance to retirement age, how much money you can get every month, no one knows. On the one hand, different provinces and cities have different methods for calculating and distributing pensions; On the other hand, the amount of pension is also related to your total payment, retirement age, when to retire, and the average monthly salary of employees in the province over the years.

The old-age insurance has been paid 15, but can it be taken out before the legal retirement age?

There are several situations:

1. When the insured reaches the statutory retirement age, if the endowment insurance premium is less than 15 years, the insured unit will reduce it, and I can continue to pay the basic endowment insurance premium according to the method of individual workers in cities and towns until the payment period reaches 15 years, and go through the retirement procedures and receive the basic pension on a monthly basis.

2. When the insured reaches the statutory retirement age, if the payment period is not enough to receive the basic pension on a monthly basis, it is allowed to continue to pay the basic old-age insurance premium according to the method of urban individual workers until the payment period reaches the prescribed period of receiving the basic pension on a monthly basis, and its basic old-age insurance benefits will be enjoyed from the month after the payment period meets the prescribed conditions and goes through the formalities of receiving the basic pension on a monthly basis.