Personal payment, do not know social security, payment base 1550, monthly payment of more than 400. What treatment can I enjoy if I pay 15?

15 years later, have you reached the national legal retirement age? You can't enjoy it if it doesn't arrive.

If so, how much social security pension can be received after retirement? First, we must learn several key terms.

1. Social wage-refers to the average social wage in Beijing regularly published by the Ministry of Labor and Social Security.

2 payment base-refers to the basic salary base for paying social security.

At present, social security pension can be collected from both individual accounts and pooled funds.

(1) All personal account funds are paid by individuals, and the calculation standard is 8% of my social security contribution base.

For example, if your monthly payment base is 5,000 yuan, you need to pay 400 yuan every month and put it into your personal account.

The personal account will bear interest for you according to the interest of 1 year fixed deposit, which means that the money received by the personal account in the future will be your own money.

(2) The funds of the overall fund shall be paid by the enterprise, accounting for 20% of your social security payment base. You can take it when you reach the legal retirement age.

The calculation method is: the average monthly salary of my last year (referring to the social salary of the previous year when I retired at retirement age) and the average monthly salary of my indexation (referring to the average of all payment bases in each year) × (pension payment period)%.

For example, Mr. Guo joined the work at the age of 30 and is expected to retire at the age of 60. Assuming that the average life expectancy in cities and towns is 80 years (without considering the interest factor at the same time), assuming that Mr. Guo pays the old-age insurance on average according to the payment base of 5,000 yuan/month, and assuming that the average monthly salary of urban workers in the previous year is 20,000 yuan when he retires at the age of 60, what is the monthly pension that Mr. Guo receives?

The calculation is as follows:

Monthly pension = individual account+social pooling account

= monthly salary base ×8%× 12× payment period/cumulative payment months+average monthly salary of the previous year and my indexed average monthly salary × (pension payment period)%

=5000×8%× 12×30/240+(20000+5000)/2×30%

=600+3750

=4350 (yuan)