I have worked in Nanjing for 38 years, and my personal account is 6.5438+0.6 million yuan. What is the retirement pension in 2022?

The Detailed Rules for the Implementation of Basic Endowment Insurance for Enterprise Employees in Jiangsu Province was gradually implemented in June 2022. Among the detailed rules for the implementation of social endowment insurance in various provinces, municipal districts and autonomous prefectures, Jiangsu Province is the latest. According to the relevant provisions of these Rules, those who are insured before June 1995, 65438+February 3 1 are not included in the pension and personal account pension. It is also necessary to calculate the transitional pension, and the payment period before1995 65438+Feb. 3 1 or the deemed payment period shall be taken as the time limit for calculating the transitional pension.

Because the social endowment insurance in most areas is also paid gradually from 1992, the actual payment period is 30 years after 38 years of working experience, and the personal account is 6,543,800 yuan after 8 years of payment, with an average of 5,333.33 yuan per year. After excluding interest on funds, the average annual balance of personal accounts is about 5,000 yuan, and the average monthly balance of personal accounts is 4,654.33 yuan.

According to the relevant provisions of the Detailed Rules for the Implementation of Basic Old-age Insurance for Enterprise Employees in Jiangsu Province, the wage index values of all years before the end of June of 1985 are calculated as 1.0; If the average wage index value of 1992 to 1995 is less than 1.0, the wage index value of each calendar year before the end of 1.0 shall be calculated.

1995 65438+February 3 1 If the personal account is established, and the insured persons from outside the province move into Jiangsu enterprises, the storage amount shall be calculated with reference to the above methods until the personal account is established. Among them, if individual contributions are gradually implemented after 1992, the wage index value before individual contributions is implemented from 1992 to1.0; Carry out the actual calculation of the wage index value paid by individuals until the end of 1995.

Nanjing's retirement in 2022 is all calculated according to the amount of pension service paid by Jiangsu People's Social Welfare Department, because the amount of pension service in 2022 has not been paid, and the amount of pension service in Jiangsu Province in 20021is 7974 yuan. According to the information you gave, the average deposit base is calculated according to 1.0.

The pension is the average of the calculated amount and the average indexed payment wage. The average payment index is 1% and the average calculated amount and indexed payment wage is 7974 yuan. The annual pension is 79.74 yuan, the payment period is 38 years, and the monthly pension is 30.65438+.

As a part of personal account pension insurance, the balance of personal account is 654.38+0.6 million yuan, and the monthly personal account pension insurance is 654.38+0. 1.08 yuan except 654.38+0.39.

The calculation method of transitional pension in Jiangsu Province is different from other places. According to the requirements of Jiangsu Province, after the insured who participated in the old-age insurance before 1995 12 3 1 retires, the transitional pension is calculated according to the salary and payment period before the end of 1995, and then divided by 1995.

38 years' working experience, excluding 30 years' payment period, is regarded as 8 years' payment period, and the calculated storage amount is ﹦ 1995, the social average wage of the province and city where the insured person is located, × 1995, the payment period before the end of 1995, ×12%, and the interest after 0996. Because this formula for calculating the deposit amount needs a lot of data and information to support it, it is difficult for people who are not in charge of the social security center to calculate the exact deposit amount of personal accounts.

Because the deposit base before 1995 is not too high, most salaries are only around 200 yuan. If the payment index is 1.0 and the payment period is 8 years, multiplied by 12%, the calculated personal account is 38,400 yuan, except 120, and the monthly transitional pension is 320 yuan. Compared with the transitional pension method which is effective for life, the transitional pension calculated according to this method is actually not worth it.

Generally speaking, I have worked in Nanjing for 38 years, and my personal account is 1.6 million, and I will retire in 2022. According to the calculation method stipulated in the Detailed Rules for the Implementation of Basic Old-age Insurance for Enterprise Employees in Jiangsu Province, the monthly pension is 3030 1.2 yuan and the personal account pension insurance premium is 1.654. If the number of people paying for old-age services is released in 2022, some pensions will continue to increase, and some compensation will be made after the calculation is announced, but the overall difference is not big.