Pay social security by yourself, 15 years 100% or 25 years 60%? Which is more cost-effective?

Judging which way is more cost-effective depends on the specific situation and personal needs. Here are some factors for you to consider:

Payment period: In the first case, social security fees need to be paid continuously 15 years; In the second case, social security fees need to be paid continuously for 25 years. If you already have a stable job, and plan to stay in your current area for a long time, and have the ability to pay social security fees for 15 years continuously, the first method may be more cost-effective.

Grade and welfare: in the first case, if you pay 100%, you may enjoy higher social security benefits; In the second case, if you pay 60% of the grade, the corresponding benefits may be reduced. Therefore, if you pay more attention to the coverage and degree of social security benefits, the first method may be more cost-effective.

Personal financial situation: You should consider your personal financial situation. Paying higher social security fees may bring you greater economic pressure, especially in a long period of time. If you want to be more financially secure, the second method may be more suitable for you.

Retirement Plan: Consider your retirement plan and personal goals. You may need to evaluate the pension or pension benefits provided by different levels of social security payment and match them with your retirement plan. According to your personal needs and expectations, judge which way is more in line with your retirement goals.