17 social security retirement salary

Today we are going to look at a friend's pension approval form. This friend started to pay social security late. He began to pay social security in August 2003 and retired at the age of 50 in August 2022. Accumulated payment of endowment insurance 17, 8 months. At the time of retirement, the personal account amount is about 58,000 yuan, and the approved pension is 1796 yuan/month.

According to this approval form, let's analyze the composition of this friend's pension item by item.

First, the overall pension:

Overall pension = (basic pension base 10360 yuan+indexed monthly average salary of 4662 yuan) /2* total payment period17.67 *1%=1327 yuan.

Description:

1. At present, the calculation base of basic pension in Shenzhen is still 10360 yuan. Under normal circumstances, those who retire after July each year will be calculated according to the new pension calculation base. Shenzhen has not yet announced the new calculation and payment base, but don't worry, it will be recalculated and reissued after it is announced. Last year was 65438+February 23rd.

2. This friend's indexed monthly average payment salary is 4662 yuan, which is not low compared with the current minimum payment base of 2360 yuan in Shenzhen.

3. Accumulated payment 17 years and 8 months is converted into 17.67 years.

Second, personal account pension:

Personal account pension = the total personal account at the time of retirement is 58,766.76 yuan/months1May = 30 1 yuan.

Description:

1, personal account amount, including personal payment amount+annual interest income of personal account, the interest income of personal account has been relatively high in recent years, all exceeding 6%, and this year it is 6.12%; This income is higher than most of our friends' savings in a year, so it is better to pay more social security alone than to deposit in the bank.

2. The retirement months at 50 years old are 195, 55 years old are 170, and 60 years old are 139. The number of months of retirement at different ages is as follows for your reference:

After the personal account pension is paid, the overall account fund will continue to pay the personal account pension for life!

Third, the transitional pension:

Transitional pension = indexed monthly average salary 4662* enjoyment rate 0+ 100+ 17 *4 yuan = 168 yuan.

Description:

1, this friend has no deemed payment period before July 1992, so the enjoyment rate of this transitional pension is 0;

2. The 100 yuan in the formula is a transitional pension that all retirees in Guangdong Province can enjoy, and everyone has it;

3. 17 *4 yuan subsidizes the payment period (length of service), and subsidizes 4 yuan every 1 year; Those who are less than 1 year will not enjoy the fixed-term subsidy; Moreover, the annual increase of pension is also closely linked to the payment period.

Four. Adjustment fund:

This is the adjustment fee for deep households who joined the work before July 3 1, 1992, with the same payment period and paid in Shenzhen for 10 years; After 1 August 19921,all the people who took part in the work were gone.

Before this adjustment, they all started in 300 yuan, took off and landed in 250 yuan in August 2022, dropped to 150 in 2023, dropped to 50 in 2024, and will not be issued again in 2025.

Verb (abbreviation for verb) local subsidy:

Local subsidy = payment period of local supplementary endowment insurance 0* monthly average payment index 0.45* 18.5+20=0.

This is only available to deep households, and only those who have paid local supplementary endowment insurance as deep households have it. At present, the pension insurance for deep households pays 1 percentage point more than that for non-deep households, which is the source of local subsidies in pension.

As can be seen from the formula, the longer the period of paying local supplementary endowment insurance, the higher the monthly average payment index and the more local subsidies.