How is the money in the social security card calculated?

Hello! At present, the calculation of China's pension amount is linked to three factors: (1) the number of years of contribution to the social insurance fund (also known as "length of service"). The longer you pay the social insurance fund, the higher the pension amount. Some provinces, autonomous regions and municipalities directly under the Central Government divide the length of service into six grades: 15, 20 years, 25 years, 30 years, 35 years and more than 35 years. In some places, regardless of grades, the length of service is one year, and the longest length of service is 44 years (according to 16 years old to join the work and retire at 60 years old). (2) Personal account balance of endowment insurance (referred to as "personal account balance"), the higher the personal account balance, the higher the pension amount. (3) the level of local social and economic development in the last year of retirement (referred to as "regional differences"). The higher the local social and economic development level, the higher the pension amount. For those who retire from the north, Guangzhou and Shenzhen, the amount of pension is definitely much higher than that of those who retire from poverty-stricken areas. In addition, in some places, the staff of the Social Insurance Fund Management Center of the People's Social Security Bureau also follow the principle of "dividing into yuan" when calculating the pension amount. Suppose your pension amount is calculated according to the above three factors, the data is 2345.67 yuan, and the actual payment amount is 2346 yuan/month. There are also places where the calculation results are accurate to the angle or even to the minute, and the actual payment amounts are 2345.70 yuan and 2345.67 yuan respectively. Thanks for reading!