#头号周刊 #
Born in February 1972, working experience of 30.59 years, account 80,000, retired in February 2022, how much pension? How to calculate?
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Huang Jie's pension calculation formula (according to Guiren Social Regulations No. 26 of 2019) = basic pension + personal account pension + transitional pension (Guangxi in July 1996 before the establishment of personal account insurance contributions or those who have the same number of years of payment are added)
First, the basic situation Of payment period:
1) Deemed payment period: 0 years (worked in August 1991, but she is a contract worker, is required to pay) 2) Actual payment period: 30.59 years (converted from 30 years and 7 months)
3) Cumulative payment period = 30.59 years (deemed payment period + actual payment period)
4) The actual payment period before the establishment of the personal account is 4.92 years (the period from 199108 to 199606)
5) My average contribution wage index 0.8341 6) Personal account accumulated savings: 8 0 7 7 0 .7
2. Formula interpretation
1. Deemed payment period: Guangxi has implemented payment since November 1991, and previously it was deemed to be the same payment period
2. The actual payment period before the establishment of the personal account: refers to the actual number of years from the year the individual starts to pay the fee to the month before the establishment of the personal account. Guangxi has established personal accounts since July 1996
3. My average payment wage index = [Σ (the monthly actual payment base of the insured personnel ÷ the average monthly wage of the urban unit employees in the previous year in the whole district in the payment year) + (the number of months of the same payment index × regarded as the same payment month)] ÷ (the cumulative actual number of months of payment + the number of months of deemed payment) (generally the same payment index is calculated by 1)
This formula is a bit complicated, we simplify it to understand, that is, your annual payment base is compared with the previous year's social average wage, for example, our flexible employment personnel have nine files when they pay each year, if you always pay at a lower level, that is, 60% of the social average wage, then your average index is about 0.6, if you always pay 100% of the higher-end social average wage, then your index is about 1.
4. Basic pension = the average monthly wage of the urban unit employees in the previous year in the whole district when the insured retires× [(1 + my average contribution wage index) ÷2] × payment period×1%
5. Personal account pension = the cumulative savings of the personal account ÷ the number of months corresponding to the retirement age of the person (50 years old retirement divided by 195 months, 55 years old divided by 170 months, 60 years old retirement divided by 139 months)
6. Transitional pension = The average monthly wage of the urban unit employees in the previous year in the whole district at the time of retirement× the average contribution wage index of the insured person is × (regarded as the same payment period + the actual payment period before the establishment of the personal account) ×1.4 %
Third, the calculation process and results:
1, basic pension = 6 1 8 4 × [(1 + 0 .8 3 4 1 ) ÷2 ] ×3 0 .5 9 ×1 % = 1 7 3 4 .8
This 6184 is the average monthly wage of the on-the-job workers in Guangxi in 2020, because 2021 has not yet come out, so social security is temporarily calculated according to this number, and it will be adjusted after it comes out, and it will be added about two hundred according to the custom.
2, personal account pension = 8 0 7 7 0 .7 ÷1 9 5 = 4 1 4 .2
3, transitional pension = 6 1 8 4 ×0 .8 3 4 1 ×4 .9 2 (199108 to 199606 years) × 1 .4 % (this is a unified fixed ratio)
= 3 5 5 .3
Monthly basic pension (above 1-3 items) total = 1 7 3 4 .8 + 4 1 4 .2 + 3 5 5 .3 = 2 5 0 4 .3
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