Online calculation of social security retirement salary calculation formula

Foreword The calculation formula of social security retirement salary: monthly basic pension = basic pension personal account pension; Among them, the basic pension = (average monthly salary and average monthly payment salary of employees in the whole province last year) /2* payment period *1%; Personal account pension = total amount of personal account storage/payment months.

The calculation method of social security retirement salary varies with local policies, and the difference is mainly affected by local average salary, payment base and payment period. At present, the planned retirement wages in various places are calculated by computer system, so the manual formula plan is also a reference value.

Social security retirement salary consists of overall pension and personal account pension. For social security retirement wages, you can refer to the following formula for preliminary calculation:

Retirement salary = local average monthly salary in the previous year before retirement * 20% of personal account principal and interest and/120.

For example, 20 10 A male employee retires at the age of 60. Last year, the average monthly salary of local employees was 3566 yuan. When the cumulative payment period is 15 years, the personal account has 50,000 yuan, and the average payment index is 0.6. Then his basic pension =(3566 yuan * 0.6) 2 *15 *1%= 427.92 yuan. His personal account pension = 50,000 yuan/139=359.79 yuan; Taken together, his monthly basic pension is 427.92 yuan, 359.79 yuan = 787.438+0 yuan.

Social security 15, if you retire on 20 18, the payment should be between 10000 and 10000, and the pension should be around 1000 to 2000, accounting for about 20% to 30% of the local average salary.

If you start to pay social security in 20 18, you will officially retire in 2033 after paying 15. The pension insurance paid will be between 300,000 and 500,000 yuan, and you can receive a pension of 4,000-6,000 yuan every month.

With the development of national economy and the sharp increase of inflation, local pension has reached about 30% to 20%. Although it seems that the income is considerable now, for the future, it is a relatively small data relative to the local income, but it is the only guarantee for the future pension problem.

You can choose your own query method according to the following conditions.

1. social security center inquiry

If you don't know your social security account number, you can bring your ID card to the business hall of social insurance agencies in various districts to inquire.

2. Online inspection

Log in to the labor security network or social insurance business website of your city, click the "Personal Social Security Information Inquiry" window, and enter my ID card and password (the password is your social security number or the date of birth of my ID card) to inquire my enrollment and retirement information.

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. Individuals who participate in the basic old-age insurance can only receive the basic old-age pension on a monthly basis after reaching the statutory retirement age and paying for it for fifteen years. If you move from one city to another, the basic old-age insurance relationship will be transferred and the payment period will be calculated cumulatively. You can't just accept the amount and not the deadline.

According to Article 15 of People's Republic of China (PRC) Social Insurance Law, the basic pension consists of ordinary 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.

According to the provisions of Article 16 of the Social Insurance Law of People's Republic of China (PRC), individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they reach the statutory retirement age and have paid the accumulated contributions for 15 years.

Individuals who participate in the basic old-age insurance, who have reached the statutory retirement age and paid less than fifteen years, can 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 according to the provisions of the State Council.

According to the provisions of Article 19 of the Social Insurance Law of People's Republic of China (PRC), if an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred accordingly, and the payment period will be calculated cumulatively. When a person reacts,

With reference to Article 7 of the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Employees in Urban Enterprises, if the insured person meets the conditions for receiving benefits after the transfer and continuation of the basic old-age insurance, the basic old-age pension shall be calculated based on the average wages of employees in the previous year, the payment period and the place where the benefits are received in accordance with the provisions of the Decision of the State Council on Improving the Basic Old-age Insurance System for Enterprise Employees.

In 2005, the pension adjustment mechanism for retirees was established. The most important thing is to determine the annual pension growth rate according to the wage growth of employees, the average social wage and the price increase. Since 20 16, the per capita pension increase of retirees has slowed down by 6.5%. In 20 17, the per capita pension increased by 5.5%; In 20 18, the per capita pension increased by 5%; In 20 19, the per capita pension increased by 5%; However, the per capita pension increase remained at 5%. In recent years, China's GDP has generally increased by 6.5%. It can be seen that the adjustment of pension benefits for retirees is directly related to economic development. Although retired, it also ensures that retirees can enjoy the fruits of social and economic development. Adjusting the basic pension for retirees is an important measure to improve security and people's livelihood, which reflects the cordial concern of the CPC Central Committee and the State Council for the vast number of retirees. Therefore, there is no doubt that retirees' pensions will continue to rise in 2020, achieving a sustained growth of 16.

1. How to handle social security retirement procedures?

Answer: The insured who has gone through the retirement formalities should go through the retirement formalities at the Social Security Bureau one month before reaching the statutory retirement age (the month when the deferred payment is completed). When the insured goes through the retirement formalities, he must submit the following information:

(1) An application form for retirees (in duplicate, stamped by the unit or neighborhood committee) must be filled in.

(2) My one-inch color photo.

(3) Copy of ID card

Meet the following conditions, it shall submit the corresponding materials:

(1) Retired cadres shall provide the original and photocopy of the Notice of Retirement of Cadres or the Approval Form for Retirement of Cadres according to their management authority.

(2) If a special type of work retires early, the personal file of the insured shall be attached;

(3) In case of early retirement due to illness, in addition to providing relevant medical records in the past, it is also necessary to attach the diagnosis certificate and inspection report of related diseases in hospitals at or above the county level in the past three months according to relevant regulations; Suffer from schizophrenia

The diagnosis certificate and inspection report of schizophrenia specialized hospital at or above the county level shall be attached. At the same time, fill in the "Application Form for Appraisal of Labor Ability of Workers (Non-work-related) in xx City" (in triplicate) for appraisal by the Labor Ability Appraisal Committee. The social security department shall pay the basic pension to the insured who meet the retirement conditions from the month following the approval of retirement benefits. Note: When the insured retires, the unit has closed down or does not exist, and the seal of the unit or the seal of the neighborhood committee is not required.

Second, how many years can I retire after paying social security? A: Fifteen years. According to the provisions of Article 16 of the Social Insurance Law of People's Republic of China (PRC), individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach 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.

3. Can a nonlocal hukou pay social security in Beijing and retire in Beijing? A: (1) Foreign accounts pay social security in Beijing. When you reach the statutory retirement age, you can retire in Beijing after you have paid 10 years and 15 years. According to Article 6 of the Interim Measures of Ministry of Human Resources and Social Security and the Ministry of Finance on the Transfer and Continuation of the Basic Old-age Insurance for Urban Enterprise Employees forwarded by the General Office of the State Council, when the insured persons who are employed across provinces meet the conditions for receiving benefits, the place for receiving benefits shall be determined according to the following provisions: 1. Where the basic old-age insurance relationship is located at the domicile, the domicile shall be responsible for handling the formalities for receiving benefits and enjoying the basic old-age insurance benefits. 2. If the basic old-age insurance relationship is not located in the domicile, but the accumulated payment period in the locality of the basic old-age insurance relationship reaches 10 years, the local treatment collection procedures shall be handled and the local basic old-age insurance benefits shall be enjoyed. 3. If the basic old-age insurance relationship is not located at the domicile, and the accumulated payment period in the locality of the basic old-age insurance relationship is less than 10 year, and the payment period of the basic old-age insurance relationship is 10 year, you can go through the formalities of receiving benefits and enjoy the basic old-age insurance benefits. 4. If the basic old-age insurance relationship is not located in the domicile, and the accumulated payment period in each insured place is less than 10 years, the basic old-age insurance relationship and corresponding funds shall be collected in the domicile, and the domicile shall go through the formalities for receiving the benefits according to the regulations and enjoy the basic old-age insurance benefits. (2) Those who pay medical insurance in Beijing can enjoy medical insurance benefits in Beijing. When you retire legally, you can enjoy medical insurance benefits for life in Beijing after paying the prescribed number of years, and you will no longer pay medical insurance. "Beijing basic medical insurance regulations" Article 11 Before the implementation of these regulations, retirees do not pay the basic medical insurance premium. After the implementation of these Provisions, those who have participated in the work and paid the basic medical insurance premium for 25 years for men and 20 years for women shall go through the retirement formalities in accordance with the provisions of the state, receive the basic pension or retirement fee on a monthly basis, enjoy the basic medical insurance benefits for retirees, and no longer pay the basic medical insurance premium.

Related Questions and Answers: Pension Calculation Formula 2022 Pension Calculation Formula 2022:

1, monthly basic pension = monthly basic pension+monthly personal account pension.

2. Basic pension = (average monthly salary of local employees in the previous year+my indexed monthly salary) /2x payment period x 1%, in which my indexed monthly salary = average monthly salary of employees in the whole province in the previous year x average individual payment index.

3. Personal account pension = personal account deposit/payment months (50 years old 195, 55 years old 170, 60 years old 139).

Main classification

Pensions in China are mainly divided into two categories: retirement pensions for employees in government institutions and retirement pensions for employees in enterprises. The different systems they implemented are reflected in three different points.

First, the overall planning methods are different. The employees of enterprises are paid by the unit and the employees themselves according to certain standards, and the institutions and institutions are funded by the government;

Second, the payment channels are different, that is, employees of enterprises are paid by self-raised accounts, and institutions are paid by finance;

Third, the enjoyment standard is different, that is, the pension standard of government institutions is higher than that of enterprise retirees.